Seller concessions come directly out of net proceeds, on top of agent commission — a real cost of making a deal more competitive for the buyer.
How it works
Sale price minus commission gives net proceeds without concessions. Subtracting the concession amount from that gives the actual net proceeds after accounting for the buyer credit.
What this does not include
This doesn’t include other closing costs beyond commission and concessions — this site’s separate closing-costs calculator covers the broader set of fees involved in a sale.
How to use this calculator
- Enter sale price, commission rate, and seller concessions.
Frequently asked questions
Why would a seller offer concessions?
To help a buyer’s offer work financially (covering closing costs they couldn’t otherwise afford) or to make an offer more competitive in a buyer’s market, potentially enabling a faster or higher-price sale overall.
Are there limits on seller concessions?
Yes — loan programs typically cap concessions as a percentage of the sale price, varying by loan type and down payment size, to prevent inflated sale prices offsetting the concession.
Do concessions affect the appraised value?
Concessions are typically disclosed and can be considered by an appraiser, potentially affecting the appraised value if they appear to be inflating the effective sale price beyond market value.
