June was a major win for our buyers. At Vreeland Real Estate, we secured $200,376 in closing cost credits last month alone. These aren’t hypothetical savings. This is real money that our clients didn’t have to bring to closing. It covered rate buy-downs, prepaid insurance, title fees, and more. In some cases, it helped buyers afford homes that would have otherwise been just out of reach.

In today's market, closing costs are one of the biggest hurdles buyers face. These are not just small administrative fees. They include title insurance, taxes, loan origination fees, and other expenses that stack up quickly. Most Florida buyers are paying anywhere from 2 to 5 percent of the purchase price in closing costs. For a $400,000 home, that can mean paying an extra $8,000 to $20,000 just to close.

What Are Closing Cost Credits?

Closing cost credits are funds that a seller or builder agrees to contribute toward a buyer’s closing expenses. These credits reduce the amount of cash a buyer needs to bring to closing. They can be used for a variety of things, like lender fees, title charges, or interest rate buy-downs. The benefit is straightforward. You get to keep more money in your pocket without sacrificing the home you want.

At Vreeland Real Estate, we negotiate these credits directly into the purchase contract. In 2024, we saved Florida buyers more than $2.3 million in closing costs. Builders may offer them upfront, but we often push for even more. In resale transactions, we structure our offers in ways that encourage sellers to contribute as part of the overall deal. It is all about strategy, timing, and knowing how to make the numbers work in your favor.

How We Save Buyers Thousands at the Closing Table

At Vreeland Real Estate, negotiating seller-paid closing costs is one of our specialties. It’s how we bring financial clarity and breathing room into the buying process. June’s $200,376 in credits was not a one-time win. It was part of the ongoing system we’ve built to maximize value for our clients.

Builders in Florida are still sitting on large inventories, and many are offering unpublished incentives. We identify those opportunities and bring them to our clients. In resale deals, we read the seller’s situation and market conditions so we can ask for the right credits at the right time. Sometimes that means securing money for repairs. Sometimes it means cash toward insurance or interest rate buy-downs. We don’t settle for average results. Our team is known for tough negotiating, market expertise, and a strong track record. Just check out our 5.0-star Zillow rating and over 380 Google reviews. Buyers across Florida trust us because we bring results not just contracts.

Why Closing Cost Credits Matter in Florida

Buying a home is already expensive. Between the down payment, moving expenses, inspections, and initial maintenance, most buyers are trying to stretch their funds. Closing costs can be the final hurdle. When we secure those costs on your behalf, it frees up cash that you can use to furnish your home, reduce your monthly payment, or simply keep for financial peace of mind.

More importantly, these credits are often overlooked or underutilized. Many buyers do not know they can ask. Some agents do not push for them. We do. That is one of the reasons so many Florida buyers are choosing Vreeland Real Estate to represent them in new construction and resale transactions. We also believe in being completely transparent about our success. If you want to see the closing cost credits we’ve secured across Florida, we publish every deal.

Make Your Next Move Count

We help buyers across Tampa Bay, Jacksonville, and South Florida get the best deal possible. Closing cost credits are a big part of that. We are proud of what we accomplished in June, but we are even more excited about what we are doing next. Every transaction is a chance to save our clients real money. If you’re planning to buy in Tampa Bay, Jacksonville, or South Florida, let’s talk. We’ll walk you through the current incentives, show you how we negotiate closing cost credits, and make sure every dollar is working for you.