Seller Credits: The Quiet Advantage in Today’s Market

Seller credits are one of the most overlooked tools buyers have right now — yet they can make a major impact on affordability.

Why Seller Credits Are Back

As inventory sits longer and competition remains moderate, many sellers are open to contributing toward a buyer’s costs. These credits can be used for:

• Temporary buydowns

• Permanent rate buydowns

• Closing costs

• DPA program gaps

• Pre-paids

Example:

On a $750,000 home, a 3% seller credit = $22,500That alone can cover:

• A full 2/1 buydown and

• A large portion of closing costs

  
  

Why This Matters

A buyer using seller credits can often purchase with:

• Lower monthly payments

• Less cash out-of-pocket

• More flexibility to refinance later

  
  

Bottom Line

Don’t underestimate what a well-negotiated seller credit can do.For many buyers, it’s the difference between stretching… and securing a confident payment.