Can the seller pay my closing costs?
Yes. Sellers can contribute toward your closing costs through seller concessions, which lowers your cash to close. Limits depend on the loan: FHA up to 6%, conventional 3% to 9% by down payment, VA up to 4% plus all costs.
We negotiate these credits into your offer so more of your cash stays in your pocket at closing.
When sellers cover costs
Yes, a seller can pay part of your closing costs. Loan programs cap the amount by type and down payment. The price stays the same; the seller just helps with fees.
This is common when a home sits or the market cools. It saves you real cash at the table.
Negotiating help in Florida
Asking for seller-paid costs is a normal move here. Done right, it does not weaken your offer. We know how much to request for your loan.
Share your cash picture with us. We will craft an offer that gets help without losing the home.
Verify the details for your own situation against these government and agency sources: CFPB private mortgage insurance guide and CFPB Owning a Home guide.