ADVANIBuyers & Sellers
Price cut or rate buydown?
With rates near 7%, the same seller credit can do more as a lower rate than as a lower price. Put in the numbers and compare the monthly payment both ways.
Your numbers
7.18% is Freddie Mac’s 30-year average for November 5, 2026. Your lender’s quote is what counts.
Monthly principal & interest
No credit
Use it as a price cut
Use it to buy down the rate
Ask Prem
Want me to run it on a real house?
Buying or selling this winter? I’ll run the credit both ways with a lender’s actual pricing for your loan, and tell you which one to ask for.
Got it. I’ll be in touch within one business day. — Prem
General information, not legal, tax or financial advice. Results are estimates; confirm anything you rely on with your attorney, CPA, lender or the city. Prem Advani, DRE #01414490, Advani Real Estate Group, affiliated with Compass. Equal Housing Opportunity.