Why Buying a Home in November or December Can Save You Thousands in Cash

by Elena Garrett, Nov 2025

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Most people, when they dream about buying a home, think the “good deal” comes from finding a lower interest rate… or catching a lucky break in the market.

But guess what?

The interest rate is only PART of the conversation.
Sometimes the bigger part is this:

How much CASH you need to bring to the table when you buy.

And would it surprise you to know that buying a home in November and December usually means bringing WAY, WAY, WAY less cash to the table?

And when I say “less cash,” I mean THOUSANDS of dollars less! Which means that if you were to save up more money to buy a home, you may not need to! You can get away with binding just a few thousands of dollars to the sale – just because it is December!

Let me explain why — very simply, in real-people terms, no boring financial lecture needed.

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⭐ Sellers are more flexible during the holidays

On top of that…

Did you know that November and December are the two months where sellers usually give the BEST deals of the entire year?

Seriously.

By this time:

• many buyers have already found homes
• sellers want to wrap things up for the year
• they want to move on before the holidays
• they’re more realistic
• they’re more flexible
• and they’re more open to negotiation

It’s a little bit like retail stores.

Sellers are just like stores during the holidays — they want to sell before the year ends.

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⭐ Your Savings Bottom Line:

Buying now is about getting a deal — in TWO ways**

1. You get better buyer leverage (the “retail” deal).
2. You bring WAY LESS cash to closing (the cash deal).

Put these two together and:

You get a deal on the price AND a deal on the cash.

That’s a double win.
And that’s why November and December are powerful months to buy — even if the interest rate didn’t move at all.

If you want to know exactly how much cash you would save by buying now versus waiting, I can run that number for you in a few minutes.

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Saving money at the end of the year isn’t automatic. You have to know how to trigger it.

If you want to go over simple strategies that can save you $5,000, $10,000, or even $15,000 in cash when buying your home, schedule a quick call with me and we’ll walk through your options.

(469) 371-4961

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