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Seller Concessions Impact
Estimate how concessions can reduce your cash to close (within limits).
Parcel Platform
Mar 4, 2026
Seller Concessions Impact
Price $350,000 • Concessions $5,000
Cash to Close (before)
$45,500
Cash to Close (after)
$40,500
Concessions Used
$5,000
Unused Concessions
$0
Seller concessions are a powerful way to reduce cash-to-close, but they’re limited by loan rules and actual closing costs.
How this calculator works
Seller concessions can reduce your cash to close by covering allowable closing costs—up to program limits. This calculator estimates the impact on your cash needed.
What it includes
- Cash to close (before/after)
- Effective reduction estimate
- Program-limit-aware framing
How to use it
- Enter purchase price and down payment percent.
- Enter estimated closing costs and the concessions amount you’re negotiating.
- Review how much cash to close could drop (usually limited by closing costs).
FAQ
Can seller concessions reduce my down payment?
Typically no. Concessions generally apply to allowable closing costs and prepaid items, subject to program limits.
Are concessions always allowed?
Not always. Limits depend on loan type, LTV, occupancy, and lender rules. Use your lender’s guidance for final limits.
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