{"id":8554,"date":"2026-09-19T14:05:01","date_gmt":"2026-09-19T21:05:01","guid":{"rendered":"https:\/\/blog.loaning.ai\/en\/8554\/"},"modified":"2026-09-19T14:05:01","modified_gmt":"2026-09-19T21:05:01","slug":"seller-concessions-rise-august-2026-4d654175a750","status":"publish","type":"post","link":"https:\/\/blog.loaning.ai\/en\/8554\/","title":{"rendered":"Seller Concessions Rise to 44.7% of U.S. Home Sales"},"content":{"rendered":"<!-- loaning-news-bot:4d654175-a750-4e89-8af1-73db60bb9939 -->\n\n<style id=\"loaning-news-article-design-system\">\n@import url(\"https:\/\/cdn.jsdelivr.net\/gh\/orioncactus\/pretendard@v1.3.9\/dist\/web\/variable\/pretendardvariable-dynamic-subset.min.css\");\n.loaning-geo-article,.loaning-geo-article *{box-sizing:border-box!important;font-family:\"Pretendard Variable\",Pretendard,-apple-system,BlinkMacSystemFont,\"Segoe UI\",sans-serif!important}\n.loaning-geo-article{--loaning-green:#15966b;--loaning-ink:#26332d;--loaning-muted:#68756f;--loaning-line:#e1e7e4;width:100%!important;max-width:860px!important;margin:0 auto!important;padding:0 16px 140px!important;color:var(--loaning-ink)!important;font-size:16px!important;line-height:1.75!important;overflow-wrap:break-word}\nbody:has(.loaning-geo-article) .jnews_content_top_ads:has(.ads-wrapper:empty){display:none!important}\nbody:has(.loaning-geo-article) .entry-header{margin-bottom:18px!important}\nbody:has(.loaning-publish-date) .entry-header .jeg_meta_date{display:none!important}\n.loaning-geo-article>br,.loaning-geo-article>p:empty{display:none!important}\n.loaning-publish-date{display:block!important;margin:0 0 14px!important;color:#68756f!important;font-size:13px!important}\n.loaning-geo-article>h2,.loaning-geo-article section>h2{margin:36px 0 16px!important;padding-bottom:10px!important;border-bottom:1px solid #dce5e0!important;color:#173f2e!important;font-size:26px!important;line-height:1.38!important}\n.loaning-intro{margin-bottom:20px!important;font-size:18px!important}\n.loaning-article-tools{position:relative!important;z-index:20!important;display:flex!important;justify-content:space-between!important;gap:18px!important;margin-bottom:24px!important;padding-bottom:18px!important;border-bottom:1px solid #e3eae6!important}\n.loaning-article-tools__keywords{display:flex!important;flex:1!important;flex-wrap:wrap!important;gap:7px 14px!important}\n.loaning-article-tools__label{flex-basis:100%!important;color:#7a8680!important;font-size:11px!important;font-weight:700!important}\n.loaning-article-tools__keywords span:not(.loaning-article-tools__label){color:#27664a!important;font-size:13px!important;font-weight:650!important}\n.loaning-article-tools__actions{position:relative!important;display:flex!important;gap:10px!important}\n.loaning-ai-summary{position:relative!important}\n.loaning-ai-summary>summary{display:flex!important;align-items:center!important;min-height:44px!important;padding:8px 14px!important;border:1px solid #d5e2db!important;border-radius:999px!important;background:#fff!important;font-weight:700!important;list-style:none!important;cursor:pointer!important}\n.loaning-ai-summary>summary::-webkit-details-marker{display:none!important}\n.loaning-ai-summary__panel{position:absolute!important;z-index:40!important;top:calc(100% + 10px)!important;right:0!important;width:min(420px,calc(100vw - 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32px),680px)!important;transform:translateX(-50%)!important}\n.loaning-floating-cta__link{display:flex!important;align-items:center!important;justify-content:center!important;min-height:52px!important;border-radius:999px!important;background:#49cc7f!important;color:#fff!important;text-decoration:none!important;font-weight:700!important}\n@media(max-width:680px){.loaning-geo-article{padding:0 12px 124px!important}.loaning-article-tools{flex-direction:column!important}.loaning-ai-summary__panel{right:auto!important;left:0!important}.loaning-geo-article>h2,.loaning-geo-article section>h2{font-size:24px!important}.loaning-floating-cta{width:calc(100vw - 24px)!important}.loaning-side-tools{right:12px!important;bottom:72px!important;width:44px!important}.loaning-side-tools__item span{display:none!important}}\n@media(max-width:480px){.loaning-geo-article .loaning-rate-form{grid-template-columns:minmax(0,1fr)!important}.loaning-rate-box{padding:20px 16px!important}}\n@media print{.loaning-floating-cta,.loaning-side-tools,.loaning-article-tools__actions{display:none!important}}\n<\/style>\n\n<article id=\"loaning-article-top\" class=\"loaning-geo-article\" data-loaning-template=\"2026-09-18-wp-layout-v2\" lang=\"en\">\n<time class=\"loaning-publish-date\" datetime=\"2026-09-20\">09\/20\/26<\/time>\n<section class=\"loaning-article-tools\">\n<div class=\"loaning-article-tools__keywords\"><span class=\"loaning-article-tools__label\">Related keywords<\/span><span>#seller concessions<\/span><span>#Mortgage<\/span><span>#Homebuyers<\/span><span>#Housing Market<\/span><\/div>\n<div class=\"loaning-article-tools__actions\">\n<details class=\"loaning-ai-summary\"><summary aria-label=\"AI Summary\">AI Summary<\/summary><div class=\"loaning-ai-summary__panel\"><p><strong>The essentials at a glance<\/strong><\/p><p>Seller concessions appeared in 44.7% of U.S. home sales in August, while buyers in some Sun Belt markets negotiated them far more often.<\/p><\/div><\/details>\n<button class=\"loaning-share-button\" type=\"button\" aria-label=\"Share this article\"><svg viewBox=\"0 0 24 24\" aria-hidden=\"true\"><circle cx=\"18\" cy=\"5\" r=\"2.5\"><\/circle><circle cx=\"6\" cy=\"12\" r=\"2.5\"><\/circle><circle cx=\"18\" cy=\"19\" r=\"2.5\"><\/circle><path d=\"M8.2 10.8 15.8 6.2M8.2 13.2l7.6 4.6\"><\/path><\/svg><\/button>\n<span class=\"loaning-share-status loaning-visually-hidden\" aria-live=\"polite\"><\/span>\n<\/div>\n<\/section>\n\n<div class=\"loaning-intro\"><p>Seller concessions appeared in 44.7% of U.S. home sales in August, while buyers in some Sun Belt markets negotiated them far more often.<\/p><\/div>\n<div class=\"loaning-key-takeaways\"><p class=\"loaning-key-takeaways__title\">\ud83d\udcdd <strong>Key Takeaways<\/strong><\/p><ul><li><strong>Seller concessions hit 44.7%:<\/strong> Seller concessions were included in 44.7% of U.S. home sales in August, the highest share for that month since at least 2020.<\/li>\n<li><strong>Seller concessions lead in Atlanta:<\/strong> Atlanta had the highest concession rate among the metros in the analysis: 72.8% of homebuying deals included one in August.<\/li>\n<li><strong>Closing-cost concessions in San Jose:<\/strong> Concessions were least common in San Jose, where 4.2% of home sellers gave buyers one in August.<\/li><\/ul><\/div>\n<nav class=\"loaning-toc\" aria-label=\"In this guide\"><p class=\"loaning-toc__title\">In this guide<\/p><div class=\"loaning-toc__links\"><a href=\"#loaning-news-section-1\">Seller concessions hit 44.7%<\/a><a href=\"#loaning-news-section-2\">Seller concessions lead in Atlanta<\/a><a href=\"#loaning-news-section-3\">Closing-cost concessions in San Jose<\/a><\/div><\/nav>\n<div class=\"loaning-key-takeaways loaning-fact-check\"><p class=\"loaning-key-takeaways__title\">\u2705 <strong>Fact-Check Snapshot<\/strong><\/p><ul><li>Seller concessions were included in 44.7% of U.S. home sales in August.<\/li>\n<li>Atlanta had a 72.8% concession rate in August.<\/li>\n<li>San Jose had a 4.2% concession rate in August.<\/li><\/ul><\/div>\n\n<section aria-labelledby=\"loaning-news-section-1\">\n<h2 id=\"loaning-news-section-1\">Seller concessions hit 44.7%<\/h2>\n<p>Seller concessions were included in 44.7% of U.S. home sales in August, the highest share for that month since at least 2020. The measure covers items such as repair money, closing-cost help and mortgage-rate buydowns, rather than a simple reduction in the home\u2019s price.<\/p>\n<p>When a seller agrees to cover an eligible cost, the arrangement can reduce the cash a buyer needs at closing or change the economics of the loan. The effect depends on the contract, the property and the loan program.<\/p>\n<\/section>\n<div class=\"loaning-rate-box\"><h2>Compare mortgage options in minutes<\/h2><div class=\"loaning-rate-form\"><div class=\"loaning-rate-cell\"><a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase&amp;utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=news&amp;utm_content=news_0920\" target=\"_blank\" rel=\"noopener noreferrer\"><span>Loan Type<\/span><strong>Purchase<\/strong><\/a><\/div><div class=\"loaning-rate-cell\"><a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase&amp;utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=news&amp;utm_content=news_0920\" target=\"_blank\" rel=\"noopener noreferrer\"><span>Loan Term<\/span><strong>Choose on Loaning.ai<\/strong><\/a><\/div><div class=\"loaning-rate-cell\"><a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase&amp;utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=news&amp;utm_content=news_0920\" target=\"_blank\" rel=\"noopener noreferrer\"><span>City<\/span><strong>Enter on Loaning.ai<\/strong><\/a><\/div><div class=\"loaning-rate-cell loaning-rate-action\"><a class=\"loaning-rate-button\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase&amp;utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=news&amp;utm_content=news_0920\" target=\"_blank\" rel=\"noopener noreferrer\">Compare mortgage options<\/a><\/div><\/div><p class=\"loaning-rate-note\">Personalized rates and terms vary by borrower and lender.<\/p><\/div>\n\n<section aria-labelledby=\"loaning-news-section-2\">\n<h2 id=\"loaning-news-section-2\">Seller concessions lead in Atlanta<\/h2>\n<p>Atlanta had the highest concession rate among the metros in the analysis: 72.8% of homebuying deals included one in August. That kind of seller incentive may give buyers more flexibility to negotiate expenses instead of focusing only on the listing price.<\/p>\n<p>For a buyer comparing homes, a closing-cost concession can be useful when upfront funds are tight, though the value depends on what the lender and contract allow.<\/p>\n<\/section>\n\n<section aria-labelledby=\"loaning-news-section-3\">\n<h2 id=\"loaning-news-section-3\">Closing-cost concessions in San Jose<\/h2>\n<p>Concessions were least common in San Jose, where 4.2% of home sellers gave buyers one in August. The contrast with Atlanta indicates that negotiating leverage can vary sharply by local market.<\/p>\n<p>Where sellers have less reason to compete for offers, buyers may have fewer opportunities to seek repair credits, closing-cost assistance or a rate buydown. The central subject remains the same: seller concessions are available unevenly, rather than being a standard feature of every purchase.<\/p>\n<\/section>\n<div class=\"loaning-rate-box\"><h2>Compare mortgage options in minutes<\/h2><div class=\"loaning-rate-form\"><div class=\"loaning-rate-cell\"><a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase&amp;utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=news&amp;utm_content=news_0920\" target=\"_blank\" rel=\"noopener noreferrer\"><span>Loan Type<\/span><strong>Purchase<\/strong><\/a><\/div><div class=\"loaning-rate-cell\"><a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase&amp;utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=news&amp;utm_content=news_0920\" target=\"_blank\" rel=\"noopener noreferrer\"><span>Loan Term<\/span><strong>Choose on Loaning.ai<\/strong><\/a><\/div><div class=\"loaning-rate-cell\"><a class=\"loaning-rate-field\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase&amp;utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=news&amp;utm_content=news_0920\" target=\"_blank\" rel=\"noopener noreferrer\"><span>City<\/span><strong>Enter on Loaning.ai<\/strong><\/a><\/div><div class=\"loaning-rate-cell loaning-rate-action\"><a class=\"loaning-rate-button\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase&amp;utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=news&amp;utm_content=news_0920\" target=\"_blank\" rel=\"noopener noreferrer\">Compare mortgage options<\/a><\/div><\/div><p class=\"loaning-rate-note\">Personalized rates and terms vary by borrower and lender.<\/p><\/div>\n<div class=\"loaning-editorial-disclosure\">This article is for general information only, not financial, legal, tax or mortgage advice or a loan offer.<\/div>\n<div class=\"loaning-side-tools\"><button type=\"button\" class=\"loaning-side-tools__item loaning-side-tools__item--top\" aria-label=\"Back to top\" hidden><span>Back to top<\/span>\u2191<\/button><\/div>\n<div class=\"loaning-floating-cta\"><a class=\"loaning-floating-cta__link\" href=\"https:\/\/loaning.ai\/AIMortgageRate?purposeLoan=home_purchase&amp;utm_source=blog_official&amp;utm_medium=loaning_en&amp;utm_campaign=news&amp;utm_content=news_0920\" target=\"_blank\" rel=\"noopener noreferrer\">Compare mortgage options<\/a><\/div>\n<\/article>\n\n\n<script>\n(function(){\nconst article=document.getElementById(\"loaning-article-top\");if(!article)return;\nconst 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