{ "version": "1.0", "schema": "https://entitymap.org/spec/v1.0", "profile": "core", "publisher": { "name": "Buyer's Edge", "url": "https://www.buyersedgehome.com/" }, "generated": "2026-10-07T00:00:00Z", "verificationStatus": "self-declared", "entities": [ { "entityId": "e_seller_credit", "@type": "Thing", "name": "The seller credit", "alternateName": "Seller credit", "description": "The most common answer to an inspection report, and the one most often asked for wrongly. What a credit can and cannot pay for, and why the lender decides the ceiling.", "hasChunks": [ { "chunkId": "c_seller-credit", "text": "A seller credit is a sum the seller agrees at closing to apply against costs that would otherwise be the buyer's. It is recorded on the Closing Disclosure and it reduces what the buyer has to bring to the table; it is not cash handed across. Sellers agree to credits routinely, which is why this is the most common answer to an inspection report. The request that gets cut is usually not cut by the seller at all. The ceiling is set by the loan program.", "sourceUrl": "https://www.buyersedgehome.com/seller-credit/", "pageTitle": "The seller credit | Buyer's Edge", "publisher": "Buyer's Edge", "contentType": "definition" } ], "relations": [ { "predicate": "PART_OF", "target": "e_grp_free", "targetId": "e_grp_free", "targetName": "Costs nothing but goodwill", "confidence": "declared" } ] }, { "entityId": "e_seller_concession", "@type": "Thing", "name": "The seller concession", "alternateName": "Concession", "description": "Credit and concession are used interchangeably by agents and distinguished precisely by lenders. The distinction is where a request gets cut at the closing table.", "hasChunks": [ { "chunkId": "c_seller-concession", "text": "A seller concession is anything of value the seller puts into the transaction on the buyer's behalf — most often money applied at closing toward the buyer's costs. Sellers agree to them routinely. There is no single cap: the ceiling is set by the buyer's loan program, and in the conventional case it moves with the size of the down payment. The short version, with the conditions that make each number true.", "sourceUrl": "https://www.buyersedgehome.com/seller-concession/", "pageTitle": "The seller concession | Buyer's Edge", "publisher": "Buyer's Edge", "contentType": "definition" } ], "relations": [ { "predicate": "PART_OF", "target": "e_grp_free", "targetId": "e_grp_free", "targetName": "Costs nothing but goodwill", "confidence": "declared" } ] }, { "entityId": "e_escrow_holdback", "@type": "Thing", "name": "The escrow holdback", "alternateName": "Holdback", "description": "The instrument for a repair that cannot be finished before closing. The lender sets the multiple and the deadline, and both are stricter than buyers expect.", "hasChunks": [ { "chunkId": "c_escrow-holdback", "text": "An escrow holdback is money withheld at closing and held by a third party until a named repair is finished. Escrow is the general arrangement — funds or documents held by a neutral party until an agreed condition is met — and a repair holdback is one narrow use of it. The buyer gets the keys, the seller gets the sale, and a defined sum sits in an account until the work is signed off.", "sourceUrl": "https://www.buyersedgehome.com/escrow-holdback/", "pageTitle": "The escrow holdback | Buyer's Edge", "publisher": "Buyer's Edge", "contentType": "definition" } ], "sameAs": "https://en.wikipedia.org/wiki/Escrow", "relations": [ { "predicate": "PART_OF", "target": "e_grp_time", "targetId": "e_grp_time", "targetName": "Spends time you may not have", "confidence": "declared" } ] }, { "entityId": "e_seller_paid_closing_costs", "@type": "Thing", "name": "Seller-paid closing costs", "alternateName": "Closing costs", "description": "Already negotiated in most contracts, and drawn from the same capped pool as anything the inspection produces. Asking twice from one allowance is the common mistake.", "hasChunks": [ { "chunkId": "c_seller-paid-closing-costs", "text": "Seller-paid closing costs are costs the purchase contract assigns to the buyer that the seller agrees, at closing, to pay instead. Closing costs are the fees and prepaid items due when the sale completes — loan origination, title work, recording, the first year of hazard insurance, the tax and insurance escrow, points. Sellers agree to pay some of them routinely; it is the single most common seller incentive in the market.", "sourceUrl": "https://www.buyersedgehome.com/seller-paid-closing-costs/", "pageTitle": "Seller-paid closing costs | Buyer's Edge", "publisher": "Buyer's Edge", "contentType": "definition" } ], "sameAs": "https://en.wikipedia.org/wiki/Closing_costs", "relations": [ { "predicate": "PART_OF", "target": "e_grp_free", "targetId": "e_grp_free", "targetName": "Costs nothing but goodwill", "confidence": "declared" } ] }, { "entityId": "e_price_reduction", "@type": "Thing", "name": "The price reduction", "alternateName": "Price reduction", "description": "Uncapped, simple, and worse for the buyer's cash position than a credit of the same size. When the difference favors you, and when it does not.", "hasChunks": [ { "chunkId": "c_price-reduction", "text": "A price reduction is the seller agreeing to lower the sales price rather than pay anything toward the buyer's costs. It is the only instrument on this site that no loan program caps, and it is still, for most buyers, the weaker of the two obvious choices: a reduction moves the money into the mortgage, while a credit of the same size moves it onto the closing table. That trade decides which instrument a reader should reach for.", "sourceUrl": "https://www.buyersedgehome.com/price-reduction/", "pageTitle": "The price reduction | Buyer's Edge", "publisher": "Buyer's Edge", "contentType": "definition" } ], "relations": [ { "predicate": "PART_OF", "target": "e_grp_free", "targetId": "e_grp_free", "targetName": "Costs nothing but goodwill", "confidence": "declared" } ] }, { "entityId": "e_lender_credit", "@type": "Thing", "name": "The lender credit", "alternateName": "Lender credit", "description": "Not a seller instrument at all, and the one buyers forget exists. What it costs over the life of the loan, and the rule that stops a quoted credit shrinking.", "hasChunks": [ { "chunkId": "c_lender-credit", "text": "A lender credit is money the lender itself puts toward the buyer's closing costs, in exchange for a higher interest rate on the loan. After an inspection it is the instrument buyers forget exists: when a repair request turns into a cash problem, three parties can pay — the seller, whose help is capped by the loan program, the buyer, and the lender. The lender is the only one of the three whose contribution no seller-concession ceiling touches. It is also the only one that bills you later. 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It is the default instrument, the baseline every other one is measured against, and the one that most often disappoints — for a structural reason rather than a moral one. The buyer agrees to an outcome. The seller chooses who performs the work, how quickly, and to what standard. Which makes the most useful sentence on this page the uncomfortable one.", "sourceUrl": "https://www.buyersedgehome.com/seller-completed-repairs/", "pageTitle": "Repairs completed by the seller | Buyer's Edge", "publisher": "Buyer's Edge", "contentType": "definition" } ], "relations": [ { "predicate": "PART_OF", "target": "e_grp_time", "targetId": "e_grp_time", "targetName": "Spends time you may not have", "confidence": "declared" } ] }, { "entityId": "e_inspection_contingency", "@type": "Thing", "name": "The inspection contingency", "alternateName": "Contingency", "description": "Not one thing: states write it as an option, a due diligence period or an investigation contingency, and the differences decide what you can do and what it costs.", "hasChunks": [ { "chunkId": "c_inspection-contingency", "text": "An inspection contingency is the term in a purchase contract that lets the buyer investigate the house and get out of the deal if what the investigation turns up is not acceptable. That is as far as one description can honestly go, because the term is not one thing: three states' standard forms write the right three structurally different ways, with different costs, different acts required of the buyer, and different outcomes if the buyer does nothing.", "sourceUrl": "https://www.buyersedgehome.com/inspection-contingency/", "pageTitle": "The inspection contingency | Buyer's Edge", "publisher": "Buyer's Edge", "contentType": "definition" } ], "sameAs": "https://en.wikipedia.org/wiki/Real_estate_contract", "relations": [ { "predicate": "PART_OF", "target": "e_grp_free", "targetId": "e_grp_free", "targetName": "Costs nothing but goodwill", "confidence": "declared" } ] }, { "entityId": "e_option_period", "@type": "Thing", "name": "The option period", "alternateName": "Option period", "description": "The purest version of the instrument: an unrestricted right to walk, paid for in cash up front. What the fee buys, what it does not, and what happens if it is not delivered.", "hasChunks": [ { "chunkId": "c_option-period", "text": "An option period is a stated number of days, bought with a separate fee, during which a home buyer may terminate the purchase contract for any reason at all and have the earnest money returned. It is not a contingency and it is not conditioned on the inspection finding anything: the buyer is paying for an exit and may use it because the report was alarming, because the commute felt long, or because they changed their mind. The term is Texas usage, and that matters more than it sounds.", "sourceUrl": "https://www.buyersedgehome.com/option-period/", "pageTitle": "The option period | Buyer's Edge", "publisher": "Buyer's Edge", "contentType": "definition" } ], "relations": [ { "predicate": "PART_OF", "target": "e_grp_money", "targetId": "e_grp_money", "targetName": "Costs you money up front", "confidence": "declared" } ] }, { "entityId": "e_earnest_money", "@type": "Thing", "name": "Earnest money", "alternateName": "Earnest money", "description": "Rarely the thing a buyer loses, and routinely the thing a buyer fears losing. When it is genuinely at risk, and the clause that releases it.", "hasChunks": [ { "chunkId": "c_earnest-money", "text": "Earnest money is the deposit a buyer hands to a neutral third party when a purchase contract is signed, and it is credited toward the purchase at closing. Buyers lose it less often than the dread around it suggests, for one structural reason: nearly every exit a contract actually gives a buyer is an exit with the deposit intact, and the ones that are not are the exits a buyer takes without a right to take them.", "sourceUrl": "https://www.buyersedgehome.com/earnest-money/", "pageTitle": "Earnest money | Buyer's Edge", "publisher": "Buyer's Edge", "contentType": "definition" } ], "sameAs": "https://en.wikipedia.org/wiki/Earnest_payment", "relations": [ { "predicate": "PART_OF", "target": "e_grp_money", "targetId": "e_grp_money", "targetName": "Costs you money up front", "confidence": "declared" } ] }, { "entityId": "e_repair_amendment", "@type": "Thing", "name": "The repair amendment", "alternateName": "Amendment", "description": "Everything agreed after the inspection is worth exactly what the amendment says. The boxes on it, and the one that waives the right you were relying on.", "hasChunks": [ { "chunkId": "c_repair-amendment", "text": "A repair amendment is the written instrument that converts what a buyer and seller agreed after the inspection into a term of the contract. Until it is signed, the agreement is a conversation: an email from an agent saying the seller will take care of the roof creates no obligation anyone can enforce at closing, and everything a reader thinks they negotiated is worth exactly what the amendment says and nothing more. By instrument this site means a named mechanism a buyer can use once the report exists.", "sourceUrl": "https://www.buyersedgehome.com/repair-amendment/", "pageTitle": "The repair amendment | Buyer's Edge", "publisher": "Buyer's Edge", "contentType": "definition" } ], "relations": [ { "predicate": "PART_OF", "target": "e_grp_free", "targetId": "e_grp_free", "targetName": "Costs nothing but goodwill", "confidence": "declared" } ] }, { "entityId": "e_contract_termination", "@type": "Thing", "name": "Terminating the contract", "alternateName": "Termination", "description": "There is more than one way out and they do not cost the same. Which right you terminate under decides whether the deposit comes back.", "hasChunks": [ { "chunkId": "c_contract-termination", "text": "Terminating the contract means ending a signed purchase agreement before closing, so that neither side has to perform: the buyer does not have to buy and the seller does not have to sell. 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What share of contracts end this way, what it costs, and the point after which the option disappears.", "hasChunks": [ { "chunkId": "c_backing-out", "text": "Backing out after the inspection means deciding, once the report is in hand, not to complete the purchase. It is either the exercise of a right the contract gives you, in which case the deposit usually comes back, or a refusal to perform a contract you are still bound by, in which case it usually does not. Those two things look identical from the outside and cost completely different amounts. 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Every instrument covered on the rest of this site — a credit, a price reduction, a repair amendment, a holdback, a termination — is a contract right that expired when the deed was recorded. After closing you are not negotiating a transaction any more. You are making a claim, against a seller or against an inspector, and that is a slower, narrower and more expensive thing.", "sourceUrl": "https://www.buyersedgehome.com/after-closing/", "pageTitle": "Finding a problem after closing | Buyer's Edge", "publisher": "Buyer's Edge", "contentType": "definition" } ], "sameAs": "https://en.wikipedia.org/wiki/Latent_defect", "relations": [ { "predicate": "PART_OF", "target": "e_grp_deal", "targetId": "e_grp_deal", "targetName": "Risks the deal itself", "confidence": "declared" } ] }, { "entityId": "e_tax_credits", "@type": "Taxonomy", "name": "Post-Inspection Instruments That Move Money", "description": "The instruments through which a seller, or in one case a lender, pays for something an inspection report disclosed — credits, concessions, escrow holdbacks, seller-paid closing costs, price reductions and repairs the seller completes — and the loan-program ceilings that decide how much of each actually reaches the buyer.", "hasChunks": [ { "chunkId": "c_e_tax_credits", "text": "The instruments through which a seller, or in one case a lender, pays for something an inspection report disclosed — credits, concessions, escrow holdbacks, seller-paid closing costs, price reductions and repairs the seller completes — and the loan-program ceilings that decide how much of each actually reaches the buyer.", "sourceUrl": "https://www.buyersedgehome.com/credits/", "pageTitle": "Seller Credits and Concessions After an Inspection | Buyer's Edge", "publisher": "Buyer's Edge", "contentType": "definition" } ], "relations": [ { "predicate": "INCLUDES", "target": "e_seller_credit", "targetId": "e_seller_credit", "targetName": "The seller credit", "confidence": "declared" }, { "predicate": "INCLUDES", "target": "e_seller_concession", "targetId": "e_seller_concession", "targetName": "The seller concession", "confidence": "declared" }, { "predicate": "INCLUDES", "target": "e_escrow_holdback", "targetId": "e_escrow_holdback", "targetName": "The 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"confidence": "declared" } ] }, { "entityId": "e_p_home", "@type": "Document", "name": "What to Do With Home Inspection Findings", "description": "What a home buyer can actually ask for after an inspection report: 14 credit, escrow and contract instruments, how often each is granted, and what each costs.", "hasChunks": [ { "chunkId": "c_e_p_home", "text": "An inspection report is a list of conditions, not a list of remedies. 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