Can I request seller concessions for repairs?
Want the seller to pay for repairs? Here’s how to get concessions that actually close the deal.
Quick answer
Yes. You can request seller concessions for repairs. It’s a standard part of offers and negotiation in real estate. But asking is only step one. How you ask, what you ask for, and when you push will decide whether you get credits, price reductions, or no help at all.
What are seller concessions for repairs?
Seller concessions (also called repair credits, seller-paid repairs, or closing credits) are funds the seller agrees to give the buyer at closing to cover repairs discovered during inspection. They reduce your out-of-pocket repair costs without the seller physically fixing anything.
When to request concessions
- After a home inspection. Use the inspection report as the evidence.
- During negotiation on a conditional offer. Include clear requests tied to the inspection items.
- Before waiving conditions. Never waive inspection conditions before negotiating repairs.
How to ask for seller concessions (step-by-step)
- Get a professional inspection. A clear, itemized report gives you leverage.
- Prioritize the list. Ask for safety issues, major systems (roof, electrical, foundation) first. Minor cosmetic items can be dropped to keep momentum.
- Quantify costs. Get at least one contractor estimate or use industry cost ranges. Sellers and lenders want numbers.
- Request a credit or price reduction. Credits at closing are cleaner for sellers and buyers. Specific dollar amounts beat vague requests.
- Offer options. Example: “Seller credit for $8,000 at closing” or “Seller completes roof repair to specs by licensed contractor.” Let the seller choose.
- Be tactical with timing. Push hard right after inspection and before subjects are removed. If the market is hot, aim for credits rather than contractual repairs.
What sellers resist and why
Sellers dislike open-ended repair demands and last-minute renegotiation. They also worry about financing issues—some loans limit seller concessions. Be realistic and show documentation to reduce friction.
Financing and loan limits
Different loan programs cap seller concessions. FHA, VA, and conventional loans have specific rules. Work with your mortgage broker to confirm max allowable credits before making demands.
Negotiation tactics that work
- Lead with the inspection report and realistic estimates.
- Ask for credits instead of contractor schedules in competitive markets.
- Trade concessions: offer a faster closing or slightly higher price in exchange for credits.
- Keep requests clear and limited to material defects.
Final checklist before you ask
- Inspection report ready
- Cost estimates attached
- Clear dollar amount or defined repair scope
- Mortgage concession limits confirmed
If you want predictable results, use a proven negotiation plan and a local expert who knows the market and lenders. For straight answers and tactical negotiation on offers and repairs, contact Tony Sousa — experienced realtor who closes deals efficiently. Email: tony@sousasells.ca | Phone: 416-477-2620 | https://www.sousasells.ca
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