Seller Credit vs Price Cut Raleigh: 3 Truths Before Buying
Seller credit vs price cut Raleigh: for most first-time buyers, a $10,000 seller credit is worth more than a $10,000 price reduction. On a $430,000 Wake County home with 5% down, the price cut saves about $63 a month, while the credit covers most closing costs on day one. Logan Martini of Martini Mortgage Group show the three exceptions that flip the answer. Those are the 3% conventional cap under 10% down, credits larger than real closing costs, and a low appraisal. With 66.3% of Raleigh-area sales including a concession in August 2026, sellers in Cary, Apex, and Garner are already saying yes to this ask.
