08/07/2026
Nearly one in five active listings in the U.S. has taken a price cut, so sellers are already negotiating.
But a lower price isn’t the only thing a buyer can ask for.
If a seller is willing to negotiate, the next question is how you want to use that opportunity.
In this example, the same seller credit can be used in two bigger ways: toward a temporary 2-1 buydown or toward closing costs.
A price cut is still an option—but it often creates the smallest monthly change.
The best strategy depends on whether you want more monthly relief or less cash due at closing.
Let’s run the numbers and see which option fits you best.