Look at the logistics about what your asking the seller to do for the buyer. (and think about it when you go tosell your own property). The contribution of, let say, $5,000 can either increase the amount the buyer pays (in order for the seller to receive "x" amount), this will increase the mtge. amount for the buyer, yet mor eimportant, this could push the appraise dvalue above what the property is worth!? Of which, the seller can make a decision not to sell the property when asked to take less than the P&S states. Most bank appraisers are cautious for good reason. If the property doesn't appraise your transaction could terminate. And further more, sellers are not "stupid" when they increase the value of the P&S and participate, that means they could have received an additional $5,000 for their property from someone who didn't request the $5,000 sellers participation!