Catherine BellEmpowering Women to Create Financial Freedom Through Passive Income, Real Estate, and Social Impact

Seller Finance Secrets: Negotiate Your Down Payment EASILY! #shorts

24 Jul 2026 · 1 min

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In this short, two speakers discuss key considerations when negotiating a seller‑financed real‑estate deal. They note that the seller is willing to finance provided the buyer puts down between $60,000 and $120,000. One speaker points out that a $120,000 down payment would represent roughly 20% of a typical purchase price, which could be advantageous. However, they also reference guidance that suggests not automatically offering the maximum $120,000, because while a larger down payment generally secures better loan terms, over‑offering may weaken bargaining power. The exchange highlights the balance between offering enough cash to obtain favorable financing and preserving negotiation leverage.

Gave me the option, then I went back in and I said they told us they're willing to do seller finance, that we would need to put down $60,000 to $120,000. And this is what it said.
Oh, they took $120,000, is that 20%? That would be useful for us.
And it says don't offer $120,000. It also shows here that the higher down, the better the terms.
So we'll get that way per month. So we could do a holdback in that regard. We got the $120,000 down. Only with protecting salaries and/or credits on themselves if they're included. If you know anything that pops up, they take that off the end.