05/13/2026
Most Chicago buyers focus on negotiating the list price and miss finding leverage in other areas.
Meanwhile, there are levers that can save you the most don’t touch the list price at all. For example, negotiating your closing date strategically you can not only push your first mortgage payment by 60 days, but may also be able to save thousands on your closing costs.
If you can get a credit, ask the seller to buy down your rate. This can save you tens of thousands over the life of the loan.
Then there’s the repair credits. Instead of going back and forth over who fixes what, ask for a credit at closing. You keep the money, choose your own contractor, and control how it is done.
Don’t forget to ask what stays with the home. Appliances, furniture, window treatments, these are all negotiable. (And that’s money you don’t have to go spend later).
I’m Anastasiia, a real estate agent in Chicago. Follow along for the stuff most agents don’t tell you until it’s too late.
As always, my DMs are open for your questions. Follow along for all things Chicago – the best new listings, things to do, and a look at life here.
