09/25/2026
Math is fun ๐ Check this out.
This is the exact same house compared 6 months apart.
6 months ago: $400K sales price, lower rate, and no seller concessions.
Today: $390K sales price + $10K in seller-paid closing costs.
Even with todayโs higher rate, the payment difference is just $107.88/month โ while the buyer needs $12,000 less cash to close. And the $10K seller credit alone offsets that higher payment for about 7.7 years.
If you are on the fence or keep saying, โIโm waiting for rates to come down.โ Everyone is so hyper-focused on the interest rate that they can miss the opportunities available in todayโs market.
Rates can change. You can refinance later. But you canโt go back and renegotiate the price you paid or the seller credits you received.
๐ฐLet me Help you Today find your DREAM Home!!๐ฐ๐ฐ
-Emily Bowen, Ebby Halliday Realtors