Closing cash is a stack
Cash to close includes down payment, lender fees, title and escrow fees, prepaids, reserves, inspection costs, appraisal costs, and the timing of earnest money.
A buyer who only models down payment is not modeling the actual purchase.
Credits are not magic
Seller credits can help, but they have limits and lender rules. A credit that looks good in the negotiation can still leave a funding gap.
Make the offer cleaner
Before the offer, run a cash-to-close estimate. You do not need perfection. You need enough clarity to avoid discovering the gap when everyone is already tired.