Cash Guide

Can the Seller Pay My Closing Costs?

Yes. Conventional loans allow seller concessions toward closing costs, prepaids, and discount points — up to limits that usually depend on your down payment and occupancy. Structured well, seller credits can sharply cut cash to close.

Get Pre-Approved Conventional Overview

How Seller Concessions Work

The purchase contract sets the credit; loan guidelines cap how much can be applied.

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))}

Common Cap Patterns

Exact limits depend on LTV and occupancy — we confirm on your file.

  • Primary residences with larger down payments often allow higher percentage credits
  • Lower-down primary purchases usually have lower concession caps
  • Second homes and investment properties frequently allow less
  • Credits cannot normally exceed actual allowable costs
  • Lender overlays may be tighter than agency maximums

Negotiation Tips

Balance price, repairs, and credits together.

  • Ask for a credit that matches your estimated closing costs
  • Compare a price reduction versus a closing-cost credit
  • Use credits for points only if the rate buy-down is worth it
  • Confirm the credit will not exceed guideline caps
  • Keep appraisal risk in mind if price is stretched

How We Structure Seller Credits

We size the credit to what guidelines will actually allow on your loan.

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Step {i + 1}

))}

Keep Exploring

Related guides to help you compare options and move toward pre-approval.

What Closing Costs Should I Expect?

Typical conventional fee categories and ranges.

Can I Use Gift Funds?

Gift funds for down payment and costs.

Conventional Loan Down Payment

How down payment affects concession limits.

Get Started

Plan seller credits with Ryan or Steve.

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Frequently Asked Questions

Want Help Sizing a Seller Credit?

Ryan or Steve can estimate your closing costs and the maximum seller concession your conventional loan allows.

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(765) 450-8933 Get Started