What You Can (and Can’t) Negotiate in a Real Estate Transaction

“Everything is negotiable in real estate” - my mom

Buying or selling a home isn’t just about the price — it’s about the terms. Almost every part of a real estate deal involves negotiation, and knowing what you can and can’t negotiate can make a huge difference in the outcome.

As a real estate agent, I guide clients through these conversations every day. Here’s a clear look at what’s typically negotiable during a home sale — and what’s not.

What You Can Negotiate

1. The Purchase Price
This is the most obvious one — and often the biggest point of discussion. Buyers can offer below the asking price, and sellers can counter. Market conditions play a big role here: in a buyer’s market, there’s more room to negotiate; in a seller’s market, less so.

2. Closing Costs
Buyers and sellers can negotiate who pays for closing costs or agree to split them. Sometimes sellers offer “closing cost credits” to help buyers with upfront expenses.

3. Repairs and Upgrades
After the home inspection, buyers can request repairs or a credit toward future improvements. Sellers can agree to make fixes, lower the price, or offer money at closing — all negotiable.

4. Contingencies
Contingencies protect both parties. Common examples include:

• Inspection contingency – allows the buyer to back out if issues arise.

• Appraisal contingency – ensures the home’s value matches the loan amount.

• Financing contingency – gives buyers time to secure their mortgage.

These terms are negotiable and can be adjusted to strengthen an offer or protect your interests.

5. Closing Date and Move-In Timeline
Timing matters. Maybe you need to close quickly — or you need extra time to move. Buyers and sellers can negotiate closing dates or even arrange a rent-back agreement to fit everyone’s schedule.

6. Personal Property and Appliances
Don’t assume everything you see comes with the house! Items like washers, dryers, refrigerators, window treatments, and even furniture can sometimes be included — but only if they’re written into the contract.

What You Can’t Negotiate

1. Property Taxes and HOA Fees
These costs are set by local governments and homeowner associations. While you can negotiate who pays certain prorated amounts at closing, you can’t change the actual tax rate or HOA dues.

2. Appraised Value (Directly)
An appraisal is performed by a licensed professional, and the lender relies on that number. You can’t negotiate the appraised value itself — though you can challenge it with comparable sales if it seems inaccurate.

3. Loan Terms and Interest Rates
Mortgage rates and lending requirements are set by your lender, not the seller. You can shop around for better rates, but they aren’t part of the home purchase negotiation.

4. Title Insurance and Legal Requirements
Certain fees, disclosures, and title requirements are regulated by law. They must be followed by both parties and aren’t negotiable.

Pro Tip: Negotiation Is About Strategy, Not Just Price

Successful real estate negotiations come down to understanding market conditions, motivation, and timing — and having an agent who knows how to advocate for your best interests. A skilled agent helps you know when to push, when to compromise, and how to structure an offer or counteroffer that wins.

The Bottom Line

Almost everything in a real estate transaction is negotiable — but knowing how to negotiate (and what to focus on) is the key to getting the best deal. Whether you’re buying your first home or selling your third, having the right professional in your corner can make all the difference.

Thinking about buying or selling?
Let’s talk strategy. I’ll help you navigate every step of the negotiation process to make sure you get the best possible outcome.

Contact me today to get started!