Seller concessions.

Seller concessions are closing costs the seller agrees to pay. They can make a home more affordable for the buyer, and they can help the seller close the deal. Each situation is unique and there are other tools to help you get financial gains or reduce the amount of out of pocket expenses when purchasing a home.

If you have enough money to cover your closing costs and down payment, maybe asking for the Sellers to buy down your interest rate maybe a better option.

A 3-2-1 buydown temporarily lowers the interest rate on your mortgage by 3 percentage points the first year, 2 percentage points the second year, and 1 percentage point the third year. After that time, your mortgage will revert to the original rate. OR you can ask for sellers to still pay for closing costs and use that money to buy points. The best option for each case is best presented and explained by a mortgage lender. If you need recommendations, I have worked with excellent lenders and will be happy to point you in the right direction.