6 Negotiable Items to Save Money Buying a Home in Fargo-Moorhead

In the 2025 Fargo-Moorhead market, saving money at closing isn't just about the purchase price—it's about the math. While our Real Estate Snapshot tracks the daily numbers, these six negotiable items can save you thousands upfront.

1. Strategic Home Repairs

A home inspection in the FM area often uncovers regional issues like HVAC wear or foundation settling. Instead of walking away, negotiate for the seller to cover these repairs or provide a credit at closing, ensuring your investment is protected from Day 1.

2. Seller-Paid Closing Costs

Closing costs typically range from 2–5% of the purchase price. In subdivisions like Cub Creek or Johnson Farms, it is increasingly common to negotiate for the seller to cover a portion of these fees to facilitate a faster closing.

3. Interest Rate Buydowns (The 2/1 Strategy)

With 2025 rates remaining a focal point, asking for a seller credit to "buy down" your interest rate is one of the most effective ways to lower your monthly payment. A 2/1 buydown can significantly reduce your costs during the first two years of homeownership.

4. Flexible Closing Dates

The timeline is your leverage. Whether you need 21 days for a quick move or 45 days to transition from a rental in Deer Creek, negotiating the date can reduce double-housing costs.

5. Appliances and Furnishings

Don't assume the refrigerator stays. In newer developments like Davies, sellers may include high-end appliances to sweeten the deal. Always ensure these are explicitly clarified in the purchase agreement.

6. Home Warranties

Given the harsh winters in North Dakota and Minnesota, a home warranty provides essential peace of mind. Negotiating for the seller to pay for the first year of coverage can save you from unexpected furnace or plumbing repairs post-closing.