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A hybrid could bridge this: seller completes anything that must be resolved before closing, then provides an allowable credit for the remaining items. It is more complicated, but it avoids forcing every defect into one remedy and may fit under the lender’s concession limit.

A price reduction is least attractive if you still need roughly $18,000 soon after closing. Its monthly financing effect may be modest compared with the immediate repair bill. However, it can become more relevant if the appraisal is low and the contract price itself needs to come down.