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1 in 2Bend sales with a seller credit$10,000typical credit1.3%of the sale price
Oregon Data Share closed residential sales inside the Bend city limits (TIGER), detached / townhome / condo, is_publishable. Concession = market_fact_sale.concession_amount > 0. Window 2026-07-15 to 2026-10-12: 269 of 538 sales. Query q1_concessions.sql, run 2026-10-13. A blank MLS field may undercount. Query run 2026-10-13.
Payment
At least 1 in 2 Bend sales in the last 90 days came with a seller concession. Put toward your rate, that money can lower your payment more than the same dollars off the price.
Off the price
$55 a month lower
Payment $3,769.05 a month on a $548,680 loan at 7.32%.
Cash to close down $2,000, because the down payment is 20% of the lower price.
Toward your rate
$169 a month lower
Payment $3,655.47 a month on the full $556,680 loan at about 6.871%.
1.80 discount points bought with the seller's credit. Principal and interest only.
Starts at the median Bend credit, last 90 days. Drag it to your offer.
Toward the rate saves $113.58 more a month.
$40,889 over 360 months if the loan is held the full term.
$10,000 is within the 6% Conventional cap of $41,751 at 80% LTV. The credit still cannot exceed actual closing costs.
Freddie Mac Primary Mortgage Market Survey, 30-year fixed 7.32%, week of Oct 26, 2026. fred:MORTGAGE30US. Starting rate for this calculator; you can change it. Not a quote. Payment math is principal and interest on a 30-year fixed loan; the buy-down assumes 1.00 point per 0.25% of rate, which varies by lender.
Not lending advice. Talk to your lender. Figures are principal and interest only.
Bend · Oct 2024 to Sep 2026
| Share with a seller concession | |
|---|---|
| Oct 2024 | 40.7% |
| Nov 2024 | 42.4% |
| Dec 2024 | 44.8% |
| Jan 2025 | 42% |
| Feb 2025 | 42.7% |
| Mar 2025 | 42.5% |
| Apr 2025 | 39.6% |
| May 2025 | 36.9% |
| Jun 2025 | 39.9% |
| Jul 2025 | 33.7% |
| Aug 2025 | 36.7% |
| Sep 2025 | 38.1% |
| Oct 2025 | 45.1% |
| Nov 2025 | 47% |
| Dec 2025 | 46.3% |
| Jan 2026 | 42.6% |
| Feb 2026 | 41.2% |
| Mar 2026 | 45.7% |
| Apr 2026 | 46.8% |
| May 2026 | 40.1% |
| Jun 2026 | 45.2% |
| Jul 2026 | 50.4% |
| Aug 2026 | 48.9% |
| Sep 2026 | 48.3% |
Lower-bound share of Bend sales that reported a concession that month.
The same measure one year later.
Oregon Data Share closed residential sales inside the Bend city limits (TIGER), detached / townhome / condo, is_publishable. Concession = market_fact_sale.concession_amount > 0. Window 2026-07-15 to 2026-10-12: 269 of 538 sales. Query q1_concessions.sql, run 2026-10-13. A blank MLS field may undercount. Monthly series omits Oct 2026 because that month is partial. · updated Oct 12, 2026
By loan type
Every loan has a cap on concessions. Your lender will know yours. Not lending advice. Talk to your lender.
Principal residence or second home: 3% of the price when the loan is over 90% of it, 6% from 75.01% to 90%, and 9% at 75% and under. Investment property: 2%. Measured on the lower of price or appraised value. Seller-funded buy-downs count toward the cap. The credit cannot exceed actual closing costs; anything over is treated as a sales concession and deducted from the price.
Fannie Mae Selling Guide B3-4.1-02, read 2026-10-13.
FHA: 6% of the sales price. VA: 4% of reasonable value for concessions; the buyer's normal closing costs the seller pays are not counted toward that 4%. USDA: 6%. Your lender confirms the limit on your loan.
HUD Handbook 4000.1; VA Lenders Handbook M26-7, chapter 8; USDA HB-1-3555, chapter 6.
No kickbacks or referral fees. Seller credits are disclosed on the Closing Disclosure. We give information only, not loans.
RESPA, 12 USC 2607.
Work with a broker
Tell us where you are in your search. We'll help you ask for a concession that fits your loan.
Equal Housing Opportunity. Ryan Realty helps every buyer. We follow federal, Oregon, and local fair housing law.
