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.

Current planning pricing is being refreshed; the version dated Oct 22, 2026 is stale and is not being used.

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.

Current scenario pricing unavailable — contact Daniel for a personalized quote. Payment estimates, permanent discount-point buydowns, and temporary buydowns depend on a current rate for Conventional · 10% down at this price. The figures below do not depend on the rate.

Down payment

$45,000Base loan $405,000

Usable seller credit

$12,000Limit $27,000 (6% of the price)

Credit to closing costs

$6,500of $6,500 estimated closing costs · $5,500 exceeds the costs and cannot be refunded

Cash to close

$45,000Down payment plus closing costs not covered, with the credit applied to closing costs

Request this scenario from Daniel · 623.208.2852

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

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.