Agent Insights / Seller strategy

Price Reduction Or Seller Concession?

By Kelsey Lenten · Updated October 27, 2026

Start by asking what is keeping the buyer from moving forward. Is it the monthly payment, cash needed at closing, price positioning, or something else?

A Price Reduction Changes The Purchase Price.

Its effect on payment and cash needed depends on the buyer's loan structure. Compare the revised price with the original scenario using the same financing assumptions.

A Seller Concession May Help With Eligible Costs.

A negotiated credit can help with eligible closing costs or an approved buydown structure, subject to loan-program limits, actual costs, and lender approval. It is not cash the buyer can automatically keep.

Compare The Full Picture.

• Seller's estimated net proceeds
• Buyer's cash needed to close
• Monthly housing payment and any later payment changes
• Loan eligibility, concession limits, and appraisal considerations

Use current lender scenarios before advertising a dollar savings or payment. There is no universal winner. The better option depends on the transaction.