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seller concessions examples what it is how it works and when to use it it frequently comes as a surprise to many home buyers especially first-time home buyers that the real cost of buying a home can be much more than the purchase price along with down payment in most cases a buyer is also paying closing costs the cost of an appraisal inspection fees title insurance escrow fees and upfront property taxes these expenses vary depending on each individual situation but they can be up to five percent of the homes purchase price when a home buyer hasnt been properly coached by their real estate agent regarding the closing costs and werent anticipating these costs or they end up totaling more than their budget allows they can find themselves not in a position to buy a home and for some buyers seller concessions could be the answer for them and also for the estate im kim ward i help executors administrators and trustees with homes in probate or trust administration here in beautiful san di