Most buyers think negotiating ends once the price is agreed on, but that’s barely scratching the surface. There’s a surprising amount of flexibility baked into real estate deals, and knowing what to ask for can lead to savings or unexpected perks. A little strategy can shift thousands back in your favor without changing the home’s price.
Sellers, especially in slower markets, are often willing to offer more than you’d expect if you know where to push.
You Can Negotiate Serious Home Repairs—Sometimes Worth $50,000
Credit: Getty Images
One buyer discovered a failing septic system and walked away with a fully paid $50,000 replacement. Lenders often won’t greenlight homes with major flaws, so sellers will sometimes fix things to keep the deal alive. This is to protect both sides from a failed sale.
Mortgage Rate Buydowns Can Save Thousands Upfront
Credit: Getty Images
Instead of applying seller credits to standard closing costs, buyers can use them to reduce their mortgage rate. One buyer who received a $9,000 credit saved over $15,000 in interest payments during the first two years. This tactic directly impacts affordability and long-term monthly budgeting without touching the home's purchase price.
Seller Credits Can Offset Your Closing Costs
Credit: Getty Images
Closing costs, which are often 1% to 2% of the purchase price, can add up fast. A well-negotiated seller credit can cover items like attorney fees, title insurance, or escrow charges. These concessions are common in softer markets and particularly helpful for buyers with sufficient down payments but tight cash reserves at closing.
Furniture and Decor May Be Included in the Deal
Credit: Canva
A $50,000 West Elm living room once stayed behind after the buyer noticed the seller downsizing. Sellers often don’t want to deal with moving bulky furniture or artwork. If you like what you see and it fits your space, it’s worth asking. Sometimes the couch literally comes with the house.
HOA Dues or Property Taxes Can Be Prepaid by the Seller
Credit: Getty Images
In addition to closing costs, some buyers negotiate for prepaid expenses like HOA fees or property taxes. One client secured a full year of condo fees—totaling $6,000—paid upfront by the seller. This gave the buyer extra budget room in the first year of homeownership and reduced early financial stress.
Appraisal Gap Clauses Can Help Win Competitive Bids
Credit: Getty Images
When a home appraises below the offer price, it can derail a sale. Some buyers pre-negotiate appraisal gap coverage, agreeing to pay a portion of the difference out-of-pocket. One client capped their exposure at $10,000, which helped them win a bidding war without fully stretching their budget.
Permits and Project Documentation Can Be Requested
Credit: Getty Images
Permits, receipts, and inspection records for past work aren’t always handed over unless you request them. That shiny new deck or second-floor addition may not be up to code. Asking for documentation helps you avoid inheriting surprises like fines or future insurance problems.
You Can Request Specialized Inspections or Tests
Credit: pexels
Beyond standard inspections, buyers can negotiate additional tests like radon checks, mold assessments, or lead paint evaluations. These can uncover risks that wouldn’t otherwise be flagged. Especially in older homes or specific regions, these inspections help buyers make informed decisions and avoid costly surprises after moving in.
Early Access Can Help You Prepare Before Closing
Credit: pexels
Some buyers arrange to enter the home before closing just to plan renovations, bring in contractors, or stash a few boxes. While sellers aren’t always thrilled, many agree if it helps the deal stay on track. This flexibility can streamline your move and give you a head start on any needed updates.
A Rent-Back Agreement Can Strengthen Your Offer
Credit: Getty Images
If the seller needs more time post-sale, offering a rent-back agreement might be the ticket to winning the bid. Instead of a higher offer, you’re giving them breathing room to move. They pay you rent, you secure the deal. It’s a win-win that feels surprisingly human.
You Can Ask for Professional Cleaning or Junk Removal
Credit: pixelshot
One buyer negotiated for professional carpet cleaning, duct servicing, and junk hauling before move-in. "Broom clean" doesn’t always mean livable. If the house were a rental or had long-term owners, these requests could make move-in day easier. And for sellers, it’s often just a line item, and not a dealbreaker.
Warranties May Be Transferred or Added
Credit: Getty Images
Warranties covering appliances, HVAC systems, or structural elements are negotiable. Buyers can request builder warranties for new homes. In resale homes, sellers may agree to transfer existing coverage or purchase a short-term home warranty for the buyer. This can offset unexpected repair costs in the first year of ownership.
Exterior Work, Like Tree Trimming, Can Be Included
Credit: Canva
Overgrown trees, branches brushing the roof, or stained walkways don’t always need to wait until you move in. Buyers sometimes ask sellers to handle tree trimming, yard cleanup, or even pressure washing before closing. It’s a simple request that prevents problems later, from pest issues to HOA complaints, and sellers often agree without much resistance.
Personal Gestures Can Create Goodwill and Rapport
Credit: iStockphoto
It’s not all paperwork. One buyer brought lunch to a showing, and the sellers remembered them fondly enough to accept their slightly lower offer. Others have thrown in a tank of gas or helped connect movers. These small, unexpected gestures don’t cost much but can shift momentum in your favor.