08/29/2026
HOMEbuyers — Don't negotiate only on the purchase price!
If you’re buying an $800k home and the seller is willing to give you $25k, would you rather:
💵 Take the $25k off the purchase price?
OR
📉 Use a seller credit toward a mortgage rate buydown to potentially lower your monthly payment?
🤔 Here’s why this matters:
A price reduction can lower your loan balance — BUT depending on your loan, interest rate, and down payment, the monthly savings may be smaller than you expect.
A seller credit used toward an interest-rate buydown could potentially have a much bigger impact on your monthly payment, especially if you plan to keep the home several years.
The smartest negotiation isn’t always the lowest purchase price. Sometimes it’s about structuring the deal in a way that makes the home more affordable month after month.
Every buyer’s numbers are different, so have your lender run BOTH scenarios before deciding.
Buying a home in the Finger Lakes? Let’s talk about how to structure your offer strategically!
Save this for your next home negotiation! ⬇️