How can buyers negotiate better in the 2026 housing market?

Buyers improve negotiation by getting fully underwritten, not just prequalified, which strengthens bargaining power and shortens timelines. Shopping payment options rather than just price is crucial as rate drops of half a percentage point significantly affect budgets. Negotiations should focus on data-driven concessions, such as inspection credits or mortgage rate buydowns, aiming for win-win outcomes instead of across-the-board discounts. Staying flexible on timing and using contingencies wisely also secures better deals.