Seller Concession Strategy Calculator

The same seller dollars can be deployed three ways — a price cut, permanent discount points, or a temporary buydown. This calculator compares all three side by side so agents and sellers can see which delivers the most monthly relief to the buyer.

Price Cut vs. Points vs. Temporary Buydown

A $15,000 price cut on a $500,000 home saves the buyer under $100 per month. The same $15,000 funding a 2-1 buydown can cut the buyer's Year 1 payment by several hundred dollars a month — relief the buyer actually feels.

For Real Estate Agents

Includes a conversation script for talking sellers through concession strategy on a stale listing, plus a buyer-side section on why full price with concessions often beats a lowball offer.

Contact Secure Choice Lending at (951) 733-8925 or info@securechoicelending.com. NMLS #1689518.