Over 85% of 2026 Closings Include Seller-Paid Concessions

85%+ of closed deals in 2026 include seller-paid concessions.

Sellers are meeting buyers halfway more than ever: closing costs, buydowns, repairs, you name it. Negotiation leverage is shifting.

What it means

• Buyers: ask for a credit toward closing costs or a rate buydown. It can lower the cash you need at closing or your monthly payment.
• Sellers: plan for concessions when you set the price. A credit toward a rate buydown can do more for a buyer's monthly payment than the same amount taken off the price.
• Agents: model the seller's net proceeds for both options before you negotiate. U.S. prices just slipped for the first time in 3 years, so buyers know they have room.