Seller Concessions
Understand where a credit can help and which questions to ask before writing the offer.
Read the seller-concession guide →Kelsey Lenten · The truth is in the numbers
Make The Next Move Make Sense.
Compare the payment, the cash and the trade-offs. Start with your own assumptions, then let’s build a plan around the life you want.
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For agents, sellers & buyers
Price Reduction Or Seller Credit?
Compare an equal-dollar price reduction and a credit toward eligible closing costs. A closing-cost credit does not automatically change the note rate or monthly payment. Ask for a separate quote to evaluate points or a temporary buydown.
Seller figures show price less the modeled credit only. Commissions, payoff, taxes, fees and prorations are excluded. Seller credits cannot fund the down payment and are limited by eligible costs and program rules; unused credit is not automatically cash back.
Read the full seller-concession guide →Keep cash for real life
What Might You Need At Closing?
Separate the money due at closing from the reserves and moving cushion you want left afterward.
This simplified purchase estimate excludes prorations, adjustments and costs you have not entered. Credits remain subject to eligibility and limits. A negative arithmetic result is not a promise of cash back. Your lender’s Loan Estimate and Closing Disclosure provide transaction-specific figures.
Understand the Closing Disclosure with the CFPB ↗Look beyond the new payment
Would A Refinance Help Your Plan?
Compare principal and interest, costs, remaining debt and your planned holding period. Use your current balance and remaining term, rather than your original loan amount and term.
Fixed-rate, fully amortizing loans only; no cash out, extra payments, penalties or tax effects modeled. Payment savings are principal and interest only. Taxes, insurance and mortgage insurance can change the total. Simple payment break-even does not account for the effect of restarting the term; the holding-period comparison includes remaining balances.
Talk through a refinance →For real estate investors
Does The Deal Support The Plan?
Keep the lender’s rental coverage ratio separate from the property’s operating cash flow. Neither figure alone tells the whole story.
The rental coverage illustration uses eligible rent ÷ principal, interest, taxes, insurance and association dues. Some lenders use other definitions or interest-only payments. This is not a qualification or approval. Operating cash flow uses your expected rent, vacancy and expenses; it excludes income taxes and appreciation. Ask about reserves, seasoning, property use and prepayment penalties.
Request an investment financing review →Keep exploring
Put The Numbers In Context.
Your Monthly Payment
Add property taxes, insurance, mortgage insurance and HOA dues to your payment plan.
Use the payment calculator →Agent Insights
Practical appraisal and financing education for your next client conversation.
Read the blog →Personalized beats generic
Let’s Run Your Actual Numbers.
Tell me what you want the next move to make possible. We’ll look at payment, upfront cash, reserves and the trade-offs together.
Educational planning estimates only. Not a rate quote, APR, Loan Estimate, eligibility determination or commitment to lend. Blank costs are not automatically included. Rates, costs and program availability vary.
Plan your next move
Read The Strategy Behind Each Tool.
Price Reduction Vs. Seller Credit: Compare The Payment And Cash To Close
Compare a price cut with a seller credit, including payment, upfront cash and seller proceeds. Use the free Kelsey Lends planning tool.
Read the guide →Cash To Close: What To Budget Beyond Your Down Payment
Plan for down payment, closing costs, prepaids, credits and earnest money while keeping a cash cushion. Try Kelsey Lends’ cash-to-close planner.
Read the guide →Refinance Break-Even: Look Beyond The Lower Monthly Payment
Compare refinance costs, payment savings and remaining loan balances over your holding period with Kelsey Lends’ free refinance comparison tool.
Read the guide →DSCR Vs. Cash Flow: Two Numbers Every Rental Investor Should Separate
Understand lender rental coverage versus operating cash flow, then use the free DSCR Deal Snapshot to test your own rent and expense assumptions.
Read the guide →