Repair vs. credit math
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Cash impact of repair yourself: $2,800
Cash impact of credit: $3,500
Cash impact of price reduction: $4,000
What to know
• A credit at closing is often cleaner than doing repairs yourself before closing.
• Lenders cap seller credits — large numbers can break financing.
• A price reduction changes the appraisal anchor. Use carefully.
• Don't react emotionally. Almost every home has findings.
• Get one or two contractor quotes before responding.