Should You Offer Buyer Incentives?
Understanding Seller Assist in Montgomery County
In today’s shifting market, many Montgomery County home sellers are asking:
“Should I offer buyer incentives to sweeten the deal?”
One of the most common—and misunderstood—options is seller assist, a strategic tool that can help you attract more buyers without lowering your asking price.
Here’s what seller assist really is, when to use it, and how it affects your bottom line.
What Is Seller Assist?
Seller assist (also called a seller concession) is when the seller agrees to cover part of the buyer’s closing costs—not to be confused with a price reduction.
Example:
You're selling for $400,000 and agree to a $6,000 seller assist.
The buyer still pays $400,000, but you credit $6,000 toward their costs at closing.
This allows buyers (especially first-timers) to bring less cash to the table—and helps your home stand out in a competitive market.
How Much Can You Offer?
It depends on the buyer’s loan type:
For a $400,000 sale, that means $12,000–$24,000 max in most cases—though most seller assists in Montco are $5,000–$10,000.
When Does It Make Sense to Offer Seller Assist?
You should consider offering seller assist when:
You’re targeting first-time buyers who need help with upfront costs
Your home is priced competitively, but you’re not getting offers
The buyer is stretching to meet full asking price but can’t cover closing costs
You’d rather offer a concession than lower your price
Pro Tip: Offering seller assist can help buyers afford a higher purchase price—meaning you net the same while helping them qualify.
When Not to Offer It
Avoid seller assist if:
You’re in a multiple-offer situation
You’re already priced below market
Your net proceeds would fall below your goal
Your home has significant repairs or inspection issues (buyers may ask for credits and assist)
How It Affects Your Net Proceeds
Offering seller assist doesn’t mean taking a loss—it’s just a credit from your proceeds at closing. But it must be factored into your net.
Use our net sheet calculator to see how seller assist affects your bottom line:
Get Your Net Proceeds Estimate
Or, let’s walk through the numbers together:
Book your free seller strategy session
Bottom Line: Seller Assist Is a Strategic Tool—Not a Red Flag
When used correctly, seller assist can:
Attract more buyers
Make your listing more accessible
Help you sell faster without price drops
We’ll help you determine if it’s the right move for your specific situation.
Have questions? Email Shaina@MontcoLiving.com
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