Price Cut vs. Rate Buy-Down: What’s Smarter?

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Price Cut vs. Rate Buy-Down: What’s Smarter?

Buying Smart in San Diego Real Estate: Price Cut vs. Rate Buy-Down

When buying a home in San Diego County, most buyers focus on price. But what if we told you that a mortgage rate buy-down could save you more than a price cut ever could?

Here’s the math on an $800,000 home:

$15,000 price cut = ~$98/month savings

$15,000 interest rate buy-down = ~$614/month savings

Over a year, that’s a difference of $7,300—money back in your pocket.

San Diego real estate strategy

Why It Matters in San Diego’s Market

In today’s high-rate real estate market, affordability is everything. Yet most buyers don’t know they can negotiate for seller-paid rate buy-downs instead of just asking for a discount.

This strategy applies whether you’re a first-time homebuyer or upgrading within San Diego. It’s about working smarter, not just negotiating harder.

San Diego mortgage education

Watch It in Action

📺 Watch: The Homebuyer Hack San Diego Buyers Need

We break down the strategy in under a minute—and it could save you thousands.

Final Thoughts

homePERQs is here to help you navigate every step of your San Diego real estate journey with smart, strategic advice. Want to know what works best in your case?

📲 Let’s run your numbers and create a plan that works.