10/07/2026
That’s the conversation many buyers should be having.
When a seller offers a concession, most buyers immediately think about negotiating the sales price.
But in many cases, using those funds for a temporary rate buydown can have a much greater impact on monthly affordability.
The mistake is focusing only on the price.
The opportunity is focusing on the payment.
Because at the end of the day, most families don’t buy a house based on the purchase price.
They buy it based on what comes out of their checking account each month.
Don’t just negotiate the house. Negotiate the payment.
