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Most buyers think seller credits all do the same thing. They don’t, and how you use them changes how this purchase feels. Example: Home price: $500,000 Seller credit: $10,000 Rate: ~6% Option 1: $10k off the price New price: $490,000 What this does: • Your loan amount drops by $10,000 • ~$60/month lower payment • ~$11k–$12k less interest over 30 years The catch: • You still need to bring your own cash for closing costs Best if: → You already have money saved → You want the lowest long-term payme
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