Daniel EscobarPhoenix Lending Group
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Phoenix Lending Group

Seller Concession Strategy Calculator

What the seller credit actually buys.

Compare closing costs, permanent rate buydowns, and temporary buydowns.

Representative planning pricing as of Aug 4, 2026 · 30-day lock

Conventional at 10% down allows an illustrative seller credit up to 6% of the price, or $27,000. This credit fits. Down payment $45,000.

Your scenario

6.500% / 6.732% APR$9,396 to points · $2,604 to closing costs

Payment by year

Yr 1 on6.500%$3,128.00

Monthly payment

$3,128.00Fixed for the life of the loan

Cash to close

$48,896$45,000 down · $2,604 credit to costs

Or use one of these four plans

Lowest payment for life

All to the note rate

$9,396 to points · $2,604 to closing costs

Year 1 on6.500%$3,128.00
First-year payment$3,128.00
Cash to close$48,896

6.500% rate · 6.732% APR

Every dollar of the usable credit is allocated.

Lowest first-year payment

Maximum temporary relief

$9,599 to the buydown fund · $2,401 to closing costs

Year 15.375%$2,836.01
Year 26.375%$3,094.80
Year 3 on7.375%$3,365.36
First-year payment$2,836.01
Cash to close$49,099

7.375% rate · 7.628% APR

Every dollar of the usable credit is allocated.

Balanced

Costs covered, then relief

$1,875 to points · $3,213 to the buydown fund · $6,500 to closing costs

Year 16.125%$3,028.95
Year 2 on7.125%$3,296.69
First-year payment$3,028.95
Cash to close$45,000

7.125% rate · 7.372% APR

$412 exceeds the closing costs and cannot be refunded.

Lowest cash to close

All to closing costs

$6,500 to closing costs

Year 1 on7.375%$3,365.36
First-year payment$3,365.36
Cash to close$45,000

7.375% rate · 7.628% APR

$5,500 exceeds the closing costs and cannot be refunded.

Daniel Escobar

Financing — ask me anything

Daniel Escobar

Mortgage Strategist · NMLS #2793732
Phoenix Lending Group NMLS #2422832
623.208.2852 · daniel@phoenixlending.com
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Phoenix Lending Group

Terms for the examples shown. Conventional 10% down on a purchase price of $450,000. Estimated down payment $45,000. Total loan amount $405,000. Fixed interest rate of 6.500% for 360 monthly payments; the note rate does not increase after closing. Annual percentage rate 6.732%. Monthly payment of $3,128.00 includes principal, interest, mortgage insurance of $118.13, estimated property taxes of $300.00, and estimated homeowner's insurance of $150.00. Assumes 2.320 seller-paid discount points and a credit score of 740 or higher. Representative planning pricing as of Aug 4, 2026 for a 30-day lock.

Payment examples are illustrative and are not a commitment to lend. Figures are estimates based on the assumptions shown, including an assumed credit score, program, lock period, occupancy, and property. They are not an offer, a rate quote, or a Loan Estimate. Actual rates, point costs, mortgage insurance, and payments depend on borrower qualifications, the property, program requirements, and market conditions when pricing is locked. Pricing changes without notice.

Temporary buydowns: funds are escrowed at closing and released monthly to subsidize part of the payment for a limited period, after which the payment rises to the full note-rate amount shown. You must qualify at the note rate, not the reduced payment. Unused funds are applied to the loan if you sell or refinance early. Seller contribution limits vary by program and require seller agreement in the contract; nothing here obligates any seller to offer a credit.

Phoenix Lending Group is not a government agency and is not acting on behalf of or at the direction of HUD, the FHA, or the VA, and this material has not been reviewed or endorsed by them. You are free to choose your own lender, title, and escrow provider; no party may require you to use any particular one.

Daniel Escobar, Mortgage Strategist, NMLS #2793732. Phoenix Lending Group, NMLS #2422832, 4237 N Craftsman Court, Suite 201, Scottsdale, AZ 85251. Equal Housing Lender.