08/12/2026
💰 BUYERS: A PRICE REDUCTION ISN’T ALWAYS THE BEST DEAL.
When negotiating on a home, it’s easy to focus on getting the seller to lower the price. But in many cases, a seller credit can put a lot more money back in your pocket.
Instead of asking for a $10,000 price reduction, what if you negotiated a $10,000 seller credit?
Depending on your loan and the terms of the deal, that credit could potentially be used to:
🏦 Buy down your interest rate temporarily or permanently, potentially significantly lowering your monthly payment
🏡 Cover closing costs and prepaid expenses like taxes, insurance, and lender fees
💵 Reduce the amount of cash you need to bring to closing, leaving more money in your account after you get the keys
A $10,000 reduction in the purchase price might only change your monthly payment by a relatively small amount.
A $10,000 credit, on the other hand, could make a much bigger difference on Day 1.
Every buyer, loan, and transaction is different, so the key is knowing what to negotiate for, not just how much to negotiate. 🔑
In today’s market, there are a lot more ways to structure a deal than simply asking the seller to drop the price.
🏠 Thinking about buying in Washington? Let’s talk!
•
•
