Should You Ask Sellers to Make Repairs or Request a Credit After a Home Inspection?

Picture this: you’ve found your dream home, the offer’s accepted, and you’re already imagining where the couch will go. Then comes the home inspection—and suddenly, a few unexpected repairs pop up. Now you’re faced with a classic homebuyer’s dilemma: should you ask the sellers to handle the repairs, or request a monetary credit at closing so you can take care of it yourself?

The Two Main Options

When inspection day reveals issues, buyers generally have two choices:

• Ask the sellers to make the repairs before closing
• Request a credit at closing to cover the cost of repairs

Both routes can work, but each comes with its own set of perks and pitfalls.

Having Sellers Handle Repairs

Letting the sellers fix things can be a relief. You get to move in with the repairs already done, saving you time and effort. Plus, you don’t have to worry about paying out of pocket right away. However, there’s a catch: you don’t get to choose who does the work or what materials are used. Sometimes, sellers opt for the quickest or cheapest fix, which might not meet your standards. And if repairs aren’t finished on time, closing could be delayed.

Requesting a Credit at Closing

Asking for a credit puts you in the driver’s seat. You can select your own contractors, materials, and schedule the work at your convenience. This is especially helpful if you want the job done to your specifications. The downside? You’ll have to coordinate repairs yourself, and you might end up living with the issue for a little while after moving in. Plus, if costs run over the credit amount, you’ll need to cover the difference.

Real-Life Scenarios

Let’s say the inspection uncovers a leaky faucet and a broken window lock—minor stuff. In this case, a credit might be the simplest solution. But if there’s a bigger issue, like electrical problems or a roof leak, you might prefer the sellers handle it so you’re not moving in with a major headache.

Tips for Deciding

• Consider the repair’s complexity: Bigger, safety-related issues might be best handled by the sellers before closing.
• Think about timing: If you’re in a hurry to move, a credit could help you avoid delays.
• Weigh your comfort level: Are you handy or have trusted contractors? A credit gives you more control.
• Talk to your agent: Local customs and market conditions can influence what’s typical or expected.

Making the Right Call

There’s no universal answer—just what feels right for you. The key is understanding your priorities and weighing the pros and cons. Whether you want to walk into a move-in-ready home or take the reins on repairs, you have options. With a little guidance and clear communication, you’ll make the choice that best fits your needs—and get one step closer to turning that house into your home.