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Estimate seller concession limits by loan scenario, compare requested vs potentially allowed credits, and see how concessions may reduce buyer cash needed at closing.
Last updated: April 9, 2026
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Max Allowed Concession
$25,500
Allowed from Request
$12,000
Loan Amount
$382,500
Concession % of Price
2.82%
Estimated Buyer Closing Cash Need After Concession
$750
Analysis:
Estimated allowed concession is $12,000 versus requested $12,000.
Concession Notes:
Output
Estimated max allowed concession
Comparison
Requested vs allowed
Metric
Estimated buyer cash need
This calculator applies simplified concession cap assumptions by loan type and purchase structure to support deal planning. It is useful for early-stage negotiation scenarios before underwriting and final closing disclosures.
Loan amount = purchase price - down paymentMax concession = purchase price * estimated cap rateAllowed concession = min(requested, max concession)Share it with buyers, agents, and loan officers.
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