Smart Ways Sellers Can Use Concessions to Seal the Deal Now
How Sellers Can Use Concessions to Attract Serious Buyers
Selling your home takes more than a for-sale sign and a clean kitchen. In today’s market, buyers want more—and so do their lenders. That’s where seller concessions come in.
How sellers can use concessions is something we get asked about all the time. It’s one of those power moves that can really help sellers stand out—especially with so many homes hitting the market right now across Southern NH.
Let’s walk through what concessions are, how they work, and why using them smartly could help your home sell faster, even in places like Londonderry, where houses are in demand but buyers still want value.
What Are Seller Concessions?
Seller concessions are little extras that the seller agrees to pay for or include. These sweet perks help make the deal more attractive to a buyer. Some folks also call them "seller contributions."
They can cover things like:
Closing costs
Inspection repairs
Home warranties
Interest rate buy-downs
Property taxes
HOA fees
Prepaid insurance
In plain terms, these concessions help buyers feel like they’re getting more for their money. And in many cases, they are!
Why Use Concessions in a Seller’s Market?
Great question. After all, homes in Londonderry and all over Southern NH are still moving, right?
Yes—but buyers are also dealing with high prices, tight budgets, and rising mortgage rates. Many buyers are stretched thin.
A small concession from the seller can make a big difference.
Let’s say you’re offering to cover $5,000 in closing costs. That money might be what tips the scales for a buyer on the fence. They’ll feel relief—and you'll be one step closer to a sold sign.
How Sellers Can Use Concessions Like Pros
Now let’s get into the fun stuff. Here’s how to actually use concessions to your advantage without giving away the farm.
1. Offer to Pay Part of the Buyer’s Closing Costs
This is the most common concession—and it’s a powerful one. Many first-time buyers don’t have enough cash saved for both a down payment and closing costs.
Covering even a portion can help make your listing stand out.
And remember—this doesn’t always mean losing money. You can often price the home slightly higher to offset your concession.
2. Fix What’s Broken Before They Ask
Sometimes it’s smart to offer repairs up front. If the roof needs attention or the deck is rotting, fixing it (or offering a credit) builds trust. It shows you’re honest and serious about selling.
Plus, it helps avoid surprises during the home inspection.
3. Buy Down the Interest Rate
This is a newer trend we’re seeing more of in Southern NH houses for sale. A “rate buy-down” means you pay a little extra up front to help lower the buyer’s interest rate.
It can save the buyer hundreds per month on their mortgage—and that’s a big deal.
If you're in a position to offer it, this concession can set your listing apart from the competition.
4. Sweeten the Deal with a Home Warranty
A home warranty is a small cost to you, but a big comfort to buyers. It covers things like the furnace, AC, appliances, and more.
Buyers love knowing they’re protected if something breaks down after move-in day.
When Should Sellers Offer Concessions?
Now that you know the types of concessions, let’s talk timing.
Sometimes it makes sense to offer concessions up front—right in your listing. Other times, it’s better to wait and offer them during negotiations.
Here are some good times to offer concessions:
Your home has been on the market a while
The buyer requests repairs
You want to keep the sale moving quickly
You’re competing with newer or better-priced homes
Think of concessions as tools in your toolbox. Use them when needed—but don’t feel like you have to give something away just because.
Real-Life Example from Southern NH
We helped a seller in Londonderry a last year. Their home was lovely—open concept, finished basement, nice yard. We had a great offer but it was contingent upon an inspections.
The price was good but the inspection revealed an issue with an oil tank.
After reviewing feedback, we suggested offering $2,000 toward buyer closing costs to allow the buyer to fix the issue. The buyers were thrilled. And the home closed fast.
That’s the power of a smart concession.
Pros of Using Seller Concessions
✅ Helps buyers with limited cash
✅ Can lead to faster offers
✅ Stands out in a crowded market
✅ You may still net your full price
✅ Builds goodwill with buyers
✅ Can smooth out inspection hiccups
What Are the Limits?
Every loan type has different rules about concessions. For example:
Conventional loans usually allow 3–6% in seller contributions
FHA loans allow up to 6%
VA loans allow up to 4% (plus some closing costs)
Your REALTOR and the buyer’s lender will guide both sides here. The key is to talk it through during negotiations, so no one gets caught off guard.
How to Talk About Concessions with Your REALTOR
This part is easy: just be honest.
Let us know if you're open to offering something—especially if you’re on a deadline or feeling the pressure. We’ll help you craft a strategy that makes your listing shine while keeping your goals front and center.
We know what works in this market, especially with Londonderry houses for sale and Southern NH houses for sale moving at different speeds.
What If You Don’t Want to Offer Concessions?
That’s okay too!
If your home is priced right, in great shape, and showing well—you might not need to. But if you’re getting lowball offers or your home is sitting too long, a well-placed concession can make all the difference.
It's not about “giving in.” It’s about staying smart, flexible, and focused on the end goal: getting your house sold.
Other Ways to Make Your Home Stand Out
Even without big concessions, you can still add value:
Offer flexible closing dates
Include appliances or furnishings
Pay for a deep clean before closing
Take care of lawn maintenance until move-out
These small touches can feel like big wins to buyers—and help your home feel like the one.
Final Thoughts: Use Concessions with Confidence
How sellers can use concessions isn’t a mystery—it’s a smart strategy. It’s all about knowing your market, listening to buyers, and working with a great REALTOR who’s got your back.
Whether you're listing your home in Londonderry or anywhere in Southern NH, the right concessions can help you close quicker, smoother, and with less stress.
Let’s work together to make your sale a win-win.
Thinking About Selling Soon?
We’ve helped hundreds of sellers across Southern New Hampshire use concessions to close with confidence—and we’d love to help you too.
Got questions? Want a free home value estimate? Just reach out.
Let’s chat about the best way to sell your home—your way.
If you need more tips on how sellers can use concessions, or are ready to sell your house give us a call at (603) 883-8840. You can also sign up for your dream home search or reach out to Our Agents for more information. We’d love to help you with your real estate needs.
