Evaluate the full offer—not one line
A seller contribution reduces the seller's proceeds, but the sales price and every other obligation matter too. Compare offers using an estimated net sheet rather than assuming an offer without assistance is automatically stronger.
The buyer's loan creates boundaries
Loan programs and lenders may limit what the seller can contribute and which costs are eligible. The buyer's lender should confirm the permitted structure before the parties rely on a number.
Questions to ask before agreeing
A contribution should support a viable transaction, not simply inflate the price.
- What is the seller's estimated net?
- Is the price supported by comparable sales?
- How much assistance does the buyer actually need?
- Are repair, warranty or other concessions also requested?
- How strong are financing, deposit and inspection terms?
- What competing demand exists?
Appraisal still matters
Increasing the price to fund assistance may work only if the property appraises and the buyer qualifies. Build the negotiation around credible value, not an unsupported number.