How I Get My Buyers' Closing Costs Paid – Almost Every Time! 💰🏡

Did you know that I have an almost 100% success rate in getting my buyers’ closing costs covered by the seller? It’s my specialty! I know how to identify the right sellers and negotiate deals that save my clients thousands at closing.

Why This Matters

Closing costs typically range from 2-5% of the home price, and many buyers don’t realize how much they’ll need to bring to the table. In fact, 42% of buyers in a 2024 Zillow survey said their final closing costs were higher than expected. Instead of paying out of pocket, I help my buyers keep their cash for:
✅ A larger down payment
✅ Home upgrades after closing
✅ Savings and emergencies

How I Make It Happen

✅ I Know How to Find the Right Sellers – Not every seller is willing to cover closing costs, but I know how to spot motivated sellers who are open to negotiations.

✅ I Negotiate Like a Pro – I structure deals in a way that makes covering your closing costs a win-win for the seller.

✅ I Position My Buyers for Success – I make sure my buyers are pre-approved, present strong offers, and stand out as serious buyers.

Tips to Get the Seller to Pay Your Closing Costs

💡 Hire a Skilled Real Estate Agent – That’s where I come in! I understand the market and know how to make strategic offers that include seller concessions.

💡 Offer Full Asking Price (If It Makes Sense) – If you’re competing with other buyers, offering full price can give you leverage to request closing cost assistance.

💡 Make a Strong Case – If paying closing costs would drain your savings or stretch your budget too thin, I’ll help you craft a compelling request to the seller.

💡 Get Pre-Approved – A pre-approved buyer is more attractive to sellers. I always recommend my clients include a pre-approval letter to strengthen their offers.

💡 Move Quickly – Once a seller agrees to pay closing costs, you don’t want to delay. Slow financing or inspection delays can make them rethink the deal.

💡 Be Mindful of the Market – In a buyer’s market, sellers are more likely to offer concessions to get their home sold. In a seller’s market, I use creative strategies to negotiate costs.

💡 Be Open to Other Seller Concessions – If a seller won’t cover all your closing costs, they may offer a rate buydown, reducing your monthly payment. In 2024, 35% of buyers secured a lower rate through seller or builder incentives.

How Much Can a Seller Pay?

🏡 Conventional Loans – Sellers can pay up to 3-9% of the home’s price, depending on your down payment.
🏡 FHA Loans – Sellers can contribute up to 6%.
🏡 VA Loans – Seller contributions are capped at 4%.
🏡 Investment Properties – The limit is 2%, regardless of down payment size.

Important Note: Sellers aren’t required to cover closing costs, but they can’t exceed the maximum limits set by loan guidelines. That’s why knowing how to negotiate strategically is key!

Ready to Save Thousands at Closing?

If you want to buy a home without paying thousands in closing costs, let’s talk! I’ll use my expertise to negotiate the best deal and get you into your new home with more money in your pocket. 💰🔑