Can I Ask the Seller to Buy Down My Interest Rate?
Yes. You can ask the seller to pay for a rate buydown as part of your offer, and in the Treasure Valley right now a lot of sellers are saying yes. In October 2026, 53% of home sales across Ada, Canyon and Elmore counties included seller-paid closing costs, with a median of $10,000. The main limit is your loan type, which caps how much the seller can contribute. With 30-year rates averaging 7.18% in Freddie Mac's November 5 survey, the monthly payment is what's stopping a lot of buyers I talk...
