Seller Concessions in Florida

Get the seller to pay your closing costs — within the limits each loan allows.

Conventional

3%–9%

FHA

Up to 6%

Up to 4%

Covers

Closing costs

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NMLS# 1859012 · Equal Housing Lender

Seller Concessions · Florida

Seller Concessions From a Florida Mortgage Broker

Seller concessions are closing costs the seller agrees to pay on your behalf, which lowers the cash you bring to closing. Every loan type caps how much a seller can contribute, and knowing the limit helps you write a smarter offer.

Conventional loans allow seller concessions of 3% to 9% of the price depending on your down payment; FHA allows up to 6%; VA caps certain concessions at 4%. Concessions cover closing costs and prepaid items — not your down payment — but they can erase most of your other cash to close.

In a balanced or buyer-friendly Florida market, asking for concessions is often more valuable than a small price cut, because it directly reduces upfront cash. We structure the offer so the concession fits within your loan's limit and actually gets used.

Seller Concessions at a Glance

✓Conventional: 3%–9% of price, based on down payment.

✓FHA allows up to 6%; VA caps key concessions at 4%.

✓Covers closing costs and prepaids, not the down payment.

✓Often beats a small price cut for cash-tight buyers.

See how seller concessions works by loan type: FHA · Conventional · First-Time Buyers · Florida.

Seller Concessions Snapshot

3%–9%Conventional

Up to 6%FHA

Up to 4%VA

Closing costsCovers

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FAQ

Seller Concessions Questions

How much can a seller contribute to closing costs?

It depends on the loan. Conventional allows 3% to 9% of the price depending on your down payment, FHA allows up to 6%, and VA caps certain concessions at 4%. The contribution cannot exceed your actual closing costs. We structure your offer to the right limit.

Are seller concessions better than a lower price?

For a cash-tight buyer, often yes. A concession reduces your upfront cash directly, while a small price cut only trims the loan slightly. If you have plenty of cash and want the lowest payment, a price cut may win. We compare both in your offer strategy.

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Seller Concessions · FHA Seller Concessions · Conventional Seller Concessions · First-Time Buyers Seller Concessions · Florida All Down Payment Options Apply for Pre-Approval

Seller Concessions?

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Figures are illustrative only and based on a sample purchase price. APR, payments, and assistance amounts vary by credit score, loan amount, income, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.