Seller Concession Optimizer
Compare a seller credit against a straight price cut, including buyer payment relief, concession caps, and seller net impact.
Modeled payment relief$181/mo
Inputs
Offer, credit, seller costs, buyer financing, and buydown assumptions.
Results
The credit creates more buyer payment relief than the same price cut, while the price cut is slightly stronger for seller net.
Buydown savings$181/mo$10,868 over 5 years
Price-cut savings$57/mo$405,000 alternate price
Seller net with credit$125,4002.4% of offer as credit
Credit vs price cut-$600Seller net difference
Buyer Payment Comparison
Base principal and interest$2,360.77
With modeled buydown$2,179.64
Buydown monthly savings$181
Straight price-cut savings$56.89
Buydown advantage$124
Seller Net Comparison
Net with seller credit$125,400
Net with equivalent price cut$126,000
Seller net difference-$600
Concession cap amount$24,900.00
Cap remaining$14,900.00
Estimates only. Seller concessions, interested-party contribution caps, discount points, buydown pricing, and usable credit depend on loan program, appraisal, lender rules, contract terms, and final title figures.