A price cut and a seller credit cost the seller the exact same dollar — but they don’t buy the same result. Run the numbers with your seller below.
How the credit gets used
Price Reduction Option A
Buyer payment (P&I)
Payment saved vs. list
Buyer cash to close
Seller gross proceeds
Seller Credit Option B
Buyer payment (P&I)
Payment saved vs. list
Buyer cash to close
Seller gross proceeds
Where the dollar hits harder
Monthly payment relief delivered per identical seller dollar.
Price reduction
Seller credit
Say it to the seller
Payment math
Cash-strapped buyers
Search brackets — the honest caveat
Your bottom line
Before you begin
These are educational tools, not loan offers.
Not a loan offer, approval, or commitment to lend. Nothing on this site is a pre-approval, pre-qualification, rate quote, or rate lock. Actual qualification requires a full application and underwriting review.
Not financial, tax, legal, or investment advice. Any tax-related or investment-return figures are illustrative. Confirm your situation with a licensed tax professional and financial advisor.
Estimates only. Results depend entirely on the assumptions you enter. Actual rates, payments, taxes, insurance, mortgage insurance, and closing costs vary by credit profile, property, loan program, and lender — often materially. Verify every number against an official Loan Estimate.
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