Seller Concessions Calculator

Estimates only — your contract, lender's disclosure and tax situation govern. List With Agent is not a real estate brokerage. We are an independent marketing and referral service that connects home sellers with licensed real estate agents. This page is general educational information, not legal, financial, or real estate advice.

How it works

Concession dollars = sale price × concession percentage. Total seller costs = concessions + closing costs. Net before mortgage payoff = sale price − total seller costs. Concessions are negotiated in the contract and appear on the Closing Disclosure.

Frequently asked questions

What are seller concessions?

Seller concessions are credits the seller agrees to pay toward the buyer's costs — commonly closing costs or a rate buydown — to help close the deal. They are negotiated as part of the purchase contract.

How do seller concessions affect my net?

Every dollar of concession reduces your net proceeds by a dollar. Enter a percentage or amount above to see the impact alongside your closing costs.

Are seller concessions tax deductible?

Seller concessions generally reduce your amount realized and are treated as selling expenses. For tax treatment of your specific situation, consult a tax professional and see IRS Publication 523.

Is there a limit on seller concessions?

Limits and rules depend on the buyer's loan program and the contract, and vary by loan type. This calculator does not assume a limit — it shows the math for whatever you enter.