Yes, and the ask works best framed as dollars: you negotiate a closing-cost credit, then decide how to spend it. Sellers care about their net proceeds, and the line items barely register. So instead of asking a seller to "buy down your rate," negotiate a specific dollar credit toward your closing costs. You and your loan officer then decide how to deploy it, and a rate buydown is one of the options. Our lean is to cover closing costs first and treat a buydown as a comparison worth running rather than the default use. Likelihood comes down to leverage. A motivated seller on a listing that has been sitting will often give a credit to get the deal done. In a competitive, multiple-offer situation, the same ask can sink you against buyers who are requesting nothing, unless you are already coming in well above asking. The identical request that is easy in a slow market can cost you the house in a hot one. If you want to see how much a given credit actually moves your payment across the different uses, we will run it with your specific numbers on the free Roadmap conversation.