09/23/2026
Smarter Strategies. Stronger Offers. Better Results.
When your buyer has $12,000 available, the question isn't always “How much can we take off the purchase price?”
There may be multiple ways to put those dollars to work.
In this example, $12,000 could potentially be used to:
🔹 Reduce the purchase price: lowering the loan amount and monthly payment
🔹 Help with closing costs + a rate buydown: reducing the amount of cash the buyer needs at closing
🔹 Fund a 2/1 buydown: creating lower payments during the first two years
The right strategy depends on the buyer's cash position, monthly budget, loan program, and long-term plans.
That's why it pays to look beyond the rate and the purchase price. Run the numbers. Compare the options. Build a strategy.
Realtors: Have a buyer negotiating an offer? Send us the scenario and let's see what options may be available.
www.SunAmerican.com/FamilyTeamMortgage
Disclosures: The scenarios above are based on a Conventional 30yr loan, 720 FICO score, 5% down. The payment includes Principal and Interest Payments only, it does not include, private mortgage insurance, property taxes, homeowners insurance, HOA fees or other property related expenses, which will may the payment higher. Option B: $7250 is used towards closing costs and 1% is used towards buying down the rate. Option C: Temporary buydown funds subsidize a portion of the borrower’s payments during the first 24 months. Borrowers must qualify for the loan program. This is not a commitment to lend.
