The 6% Move That’s Getting Homes Sold in a Stale Market

 Why the Smart Sellers Are Covering 6%—and Winning in This Market

Let’s be real:
The market is oversaturated. Interest rates are in the 7s. And homes are sitting for 4 to 6 months while sellers slowly chip away at their list price hoping for action.

That’s not a plan. That’s a slow bleed.

Now here’s what is working: sellers who offer closing cost assistance. Specifically, up to 6% toward the buyer’s costs—including a rate buydown. And before you tighten your grip on that equity, let me explain why this isn’t a loss—it’s leverage.

 You’re Not Losing Money—You’re Buying Speed

Buyers today are payment-focused. They’re stretched thin with higher rates and bigger upfront costs. When you offer help with closing costs, you’re giving them room to breathe—and a reason to look at your house over the dozen similar ones around it.

You’re not just another option. You become the path of least resistance.

 Buy Down the Rate, Turn Up the Interest

Here’s the killer move: use part of that 6% to buy down their interest rate.

It’s way more effective than a price cut.

Take $10K off your list price? That saves a buyer maybe $60 a month.

Use that $10K to buy down their rate? That could save them $200+ a month—every month, for years. That’s real money. Real incentive. Real urgency.

 The Bottom Line

Covering up to 6% isn’t about being desperate—it’s about being strategic. It’s about putting your house in the “yes” pile when buyers are saying “no” to everyone else.

So the question isn’t, “Should I cover closing costs?”
The question is, “How fast do you want to get to the closing table?”