Hi Missy. It's the other way around. Unless there's a law that says that a seller concession is not legal, it's legal. It can't be under the table, but other than that, any reduction in price is essentially a seller concession and that's just part of the contract negotiations. To the extent that the seller concession is not expressed through just a lower purchase price, but buyer credits to be used for closing costs, down payment or repairs, the credits have to be within the lender's underwriting guidelines. Anywhere between 3 - 6% of the purchase price depending on which lender the buyer uses (e.g., conventional lenders usually only allow 3% while FHA will permit up to 6%). Seller concessions are essentially just an incentive for the buyer and the seller does not have to offer any and does not need to agree to those that the buyer may ask for in an offer, but the buyer will most likely move on to a different property if the seller is not willing to make some concessions. In the current market we see seller concessions a lot more than we did a few years ago and the buyers are taking advantage of them just like the sellers took advantage of the seller's market when they were able to sell their houses without having to make concessions.