<prompt> Human: I am interested in purchasing a house with cash in Arcata, CA. The house is listed at 399,000. Since I am paying cash, I would like to pay significantly lower. Whats the lowest I could offer without offending the seller? Any other advice regarding cash home purchases would be helpful as well. Thank you!  <response>: Why would the seller take a lower offer, just because youre paying in cash?The seller is going to get paid regardless if you pay in cash, or someone else pays via obtaining a mortgage. Cash doesnt make this deal beneficial to a seller IMO. Other than having to go through the loan approval process which is largely on the buyer, in the end the seller still gets paid once the house sells. 