08/06/2026
π€ Buyer concessions are back in Northern Colorado β here's what that means for you.
Our August market update flagged it: with more inventory and steady rates, sellers are increasingly offering concessions to get deals done β covering closing costs, rate buydowns, even prepaids. That's the most buyer-friendly conditions we've seen since 2022.
New on the blog: the Buyer Concession Cheat Sheet. It breaks down:
β’ Maximum seller contributions by loan type β conventional, FHA, VA (yes, the limits differ)
β’ How to ask for closing-cost assistance the right way
β’ How to stack concessions with CHFA down payment assistance in Fort Collins, Loveland, Windsor & Greeley
β’ What counts as a legitimate concession vs. a red flag
We also refreshed the market data on our Loveland, Fort Collins, Greeley, and Windsor city pages β median prices, inventory, and days on market, updated for mid-2026.
Whether you're a first-time buyer using CHFA or a move-up buyer in the $500Kβ$650K range, this guide shows you exactly what leverage you have at the negotiating table.
Read the full guide β https://saahomes.com/blog/buyer-concession-cheat-sheet-northern-colorado/
Adam & Mandi Schwartz | SAA Homes
(970) 999-1407