Buyer's Broker A buyer's broker is a broker who represents the buyer in effectuating a purchase.  Normally in residential real estate transactions, the buyer's broker shares the commission received by the listing broker, who represents the seller.

When you make an up-front cash payment to reduce your monthly payments on a mortgage loan, it’s called a buy down. In a temporary buy down, your payments during the buy-down period are calculated at a lower interest rate than the actual rate on your loan, which makes the payments smaller.For example, if you prepay $6,000, your rate might be reduced [..]

Extra money paid in a lump sum to reduce the interest rate of a fixed rate mortgage for a period of time. The extra money may be paid by the borrower, in order to have a lower payment at the beginning of the mortgage. Or paid by the seller, or lender, as incentive to buy the property or take on the mortgage.

the seller pays an amount to the lender so the lender provides a lower rate and lower payments many times for an ARM. The seller may increase the sales price to cover the cost of the buy down.

A subsidy (usually paid by a builder or developer) to reduce monthly payments on a mortgage.

Extra money paid in a lump sum to reduce the interest rate of a fixed rate mortgage for a period of time. The extra money may be paid by the borrower, in order to have a lower payment at the beginning [..]

A lump sum payment as consideration for the reduction in the interest charged on a loan from that which would normally be charged.