Illustrative scenario
The people, property details and figures below are invented to explain a decision. This is not a client case study, testimonial or observed transaction.
Two fictional offers arrive
The seller receives $600,000 with $18,000 in requested seller-paid costs and $590,000 with $5,000 in seller-paid costs. Before other identical deductions, the first leaves $582,000 and the second $585,000. The lower headline offer leaves $3,000 more on these assumptions.
| Item | Illustrative value or action |
|---|---|
| Offer A | $600,000 − $18,000 = $582,000 |
| Offer B | $590,000 − $5,000 = $585,000 |
| Difference | B leaves $3,000 more before omitted costs |
What the arithmetic does not decide
The seller still needs to compare financing, inspection and appraisal terms, funding evidence, closing date and possession. A higher net subtotal does not establish a higher chance of closing. Record the offer versions and include all actual deductions before relying on the comparison.
Sources & further reading
- CFPB determine a comfortable home budget checked 2026-09-26
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