BofA Finance LLC filed a 424B2 pricing supplement on July 30, 2026, disclosing the terms of $3,347,000 in Buffered Enhanced Return Notes linked to the S&P 500 Futures Excess Return index , fully and unconditionally guaranteed by Bank of America Corporation (NYSE: BAC), with a Maturity date of August 4, 2031.

Key Highlights

  • Total offering size: $3,347,000 in principal amount of Notes, priced at $1,000.00 per Note.
  • Upside participation: Investors receive 180.00% exposure to gains in the Underlying if its Ending Value exceeds the Starting Value of 594.70.
  • Buffer protection: Principal is returned in full if the Underlying declines but stays at or above the Threshold Value of 416.29, which is 70.00% of the Starting Value.
  • Maximum principal at risk: Up to 70.00% of invested principal may be lost if the Underlying falls below the Threshold Value.
  • Initial estimated value: $968.70 per $1,000.00 in principal amount, as of the pricing date, less than the public offering price.
  • CUSIP: 09712GTY0; Bloomberg symbol for the Underlying is SPXFP.
  • No periodic interest: The Notes carry no periodic interest payments and mature on August 4, 2031.

Structure, Terms, and Risk Profile of BofA Finance's Buffered Enhanced Return Notes

According to the pricing supplement, BofA Finance LLC is the issuer of these Notes, with Bank of America Corporation serving as the full and unconditional guarantor. The Notes were priced on July 30, 2026, and are scheduled to issue on August 4, 2026. The Valuation Date is July 30, 2031, subject to postponement as described in the accompanying product supplement, with a final Maturity Date of August 4, 2031. BofA Securities, Inc., an affiliate of BofA Finance, is designated as both the Calculation Agent and the Selling Agent. The Notes are issued in minimum denominations of $1,000.00 and whole multiples thereof.

The filing describes a three-scenario Redemption structure. If the Ending Value of the Underlying exceeds the Starting Value of 594.70, holders receive 180.00% upside participation in that gain. If the Underlying declines but its Ending Value remains at or above the Threshold Value of 416.29, the filing states holders receive the full $1,000.00 principal per Note. However, if the Ending Value falls below 416.29, the redemption amount is reduced on a 1-to-1 basis for every percentage point of decline beyond the 30% buffer, and "the Redemption Amount will be less than the principal amount and you could lose up to 70.00% of your Investment in the Notes," according to the filing.

The filing also discloses that the public offering price of $1,000.00 per Note exceeds the initial estimated value of $968.70 per Note. The supplement attributes this gap to BAC's internal funding rate, which it states is typically lower than the rate BAC pays on conventional fixed or floating rate Debt , as well as the Underwriting discount, a referral fee of up to $10.25 per $1,000.00 in principal amount payable by an affiliate of BofA Finance to other registered broker-dealers, and hedging-related charges. The underwriting discount is listed at $2.50 per $1,000.00, for total proceeds before expenses to BofA Finance of $3,344,499.79. All payments on the Notes are expressly subject to the Credit risk of BofA Finance as issuer and BAC as guarantor. The Notes are not insured by the FDIC and are not bank guaranteed.

What Was Disclosed

This pricing supplement covered the full economic terms, redemption scenarios, estimated value, offering Economics , and risk disclosures for $3,347,000 in Buffered Enhanced Return Notes due August 4, 2031, issued by BofA Finance LLC and guaranteed by Bank of America Corporation. Verified against source; unverifiable items removed.