Why Buyers Ask
A buyer might have enough income to afford the payment but not want to drain savings at closing.
A seller credit can preserve cash.
Example
Home: $500,000.
Buyer negotiates:
- Option A: $490,000 purchase price
- Option B: $500,000 purchase price with a $10,000 seller credit
Option B is not automatically better.
But for a buyer short on cash, $10,000 toward eligible closing expenses may provide more immediate benefit than financing a price that is $10,000 lower.
NET PROCEEDS AND TRANSACTION CERTAINTY
Why would a seller agree? Because the seller cares about net proceeds and transaction certainty.
A strong offer requesting a credit may still produce a better net than a lower-priced offer.
Appraisal Still Matters
You cannot simply inflate the price indefinitely to manufacture credits.
Financed transactions remain subject to appraisal and loan requirements.
How Lisa Helps Buyers
Lisa can determine whether seller concessions should be part of the offer strategy.
How Lisa Helps Sellers
Lisa compares price, credit requested, financing, contingencies, seller net and closing risk, rather than treating the highest headline price as automatically best.
