Knocking money off the price saves you pocket change each month. Put that same money toward a temporary rate buydown and your payment really drops. Same ask from the seller, a much better deal for you.
Freddie Mac 30-year fixed average as a starting point. Adjust to match a real quote. The actual rate depends on credit, loan size, and the day it locks.
Text this scenario to your agent, your buyer, or yourself. The link opens with these exact numbers.