10/21/2026
Before you ask for a price reduction, run the numbers on a seller-paid rate buydown.
We’re seeing some massive seller concessions in this higher-rate market. Here’s how to put them to work:
Same house. 20% down. 30-year fixed.
🏠$600k price at 7.5%
$120k down → $3,356/month
🏠$615k price at 6.375%, with a $15k seller credit to buy down the rate
$123k down → $3,069/month
You borrow $12k MORE, but pay $287 LESS every month. That’s over $3,400 a year.
Yes, it takes $3k more down. But if the goal is a lower payment, the seller credit wins here.
Don’t just negotiate the price. Negotiate the payment.
Don’t make a move without me.
S.185119 PMI Reno
