Is my VA loan offer fair?

So there’s this house listed for $399,999. It’s been sitting for about 172 days and already dropped in price twice (originally listed at $450K). We offered $395K and asked the seller to cover closing costs since we’re using a VA loan. Our lender estimate shows about $15K in seller credits, which basically means we’d come to the table with almost nothing out of pocket. Do you think that’s a reasonable offer given how long it’s been on the market? Or do sellers usually push back on covering closing costs even if the place has been sitting for a while? Just trying to get a feel if we’re being realistic or not.

Posted Sep 13, 2025, 10:44 PM UTC

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