{"id":667,"date":"2014-09-21T12:17:13","date_gmt":"2014-09-21T12:17:13","guid":{"rendered":"http:\/\/teammovemortgage.com\/2014\/09\/21\/maximum-seller-paid-closing-costs-for-va-usda-fha-and-conventional-mortgage-loans\/"},"modified":"2020-07-13T22:37:42","modified_gmt":"2020-07-13T22:37:42","slug":"seller-paid-costs-limits","status":"publish","type":"post","link":"https:\/\/teammovemortgage.com\/blog\/seller-paid-costs-limits\/","title":{"rendered":"Maximum seller paid closing costs for VA, USDA, FHA, and Conventional mortgage loans"},"content":{"rendered":"<h1 style=\"text-align: center;\">Knowing Seller Paid Closing Cost Limits is Important<\/h1>\n<figure id=\"attachment_1065\" aria-describedby=\"caption-attachment-1065\" style=\"width: 600px\" class=\"wp-caption aligncenter\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-1065\" src=\"https:\/\/teammovemortgage.com\/blog\/wp-content\/uploads\/2014\/09\/seller-paid-costs-limits.jpg\" alt=\"Seller paid closing costs maximum limits for VA, USDA, FHA, conventional loans\" width=\"600\" height=\"388\" \/><figcaption id=\"caption-attachment-1065\" class=\"wp-caption-text\">Seller paid closing costs maximum limits for VA, USDA, FHA, conventional loans<\/figcaption><\/figure>\n<h2>FHA, VA, USDA, and Conventional loans allow\u00a0seller\u00a0paid closing costs to a limit and it is important to know the limits<\/h2>\n<p>Often buyers either want or need to have seller paid closing costs\u00a0in order to include part or all of their costs into their mortgage.\u00a0\u00a0Seller paid costs\u00a0can help a buyer\u00a0bring less\u00a0money to closing.\u00a0 Each mortgage product treats seller paid costs a little different.<\/p>\n<h2>Maximum seller paid costs per program type:<\/h2>\n<p><strong><a href=\"http:\/\/teammovemortgage.com\/fha\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">FHA\u00a0<\/span><\/a>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/strong> 6%<\/p>\n<p><strong><a href=\"http:\/\/teammovemortgage.com\/usda\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">USDA<\/span><\/a>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/strong>6%\u00a0<strong> &#8211; <span style=\"text-decoration: underline;\"><a href=\"http:\/\/teammovemortgage.com\/blog\/2015\/05\/24\/step-by-step-instructions-for-locating-usda-eligible-properties-areas\/\" target=\"_blank\" rel=\"noopener noreferrer\">Easy guide to search for USDA eligible properties<\/a><\/span><\/strong><\/p>\n<p><strong><a href=\"http:\/\/teammovemortgage.com\/va-loan\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">VA<\/span><\/a>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0 <\/strong>Maximum seller paid &#8220;concessions&#8221;\u00a0for a buyer is 4% of the sales price which will allow for paying pre-paids (such as escrows and first year of insurances), paying off buyer\u2019s debts, and paying part or all of the VA funding fee.\u00a0 On top of that, VA allows for all \u201ccustomary closing costs\u201d to be paid by the buyer.\u00a0 So between the two, usually\u00a0all costs\u00a0could be covered\u00a0as long as a sufficient amount is listed in the contract<strong>.\u00a0 <a href=\"http:\/\/teammovemortgage.com\/blog\/2016\/05\/11\/debts-being-paid-off-at-closing-on-a-va-home-loan\/\"><span style=\"text-decoration: underline;\">Learn more about what the seller can pay for the Veteran here<\/span><\/a><\/strong><\/p>\n<p><strong>Conventional loans (Fannie and Freddie):<\/strong><\/p>\n<ul>\n<li><strong>Primary residence:\u00a0 <\/strong>3% over 90% LTV, 6% on 75.01% &#8211; 90%, 9% when 75% or less<\/li>\n<li><strong>Secondary residence:\u00a0 <\/strong>6% on 75.01% &#8211; 90% LTV, 9% when 75% or less<\/li>\n<li><strong>Investment property:\u00a0 <\/strong>2% for any LTV<\/li>\n<\/ul>\n<p><strong><a href=\"http:\/\/teammovemortgage.com\/rehab-loans\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">FHA 203k<\/span><\/a>\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/strong> 6%<\/p>\n<p><strong><a href=\"http:\/\/teammovemortgage.com\/reverse-mortgages-nc-sc\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">Reverse Mortgages<\/span><\/a>: \u00a0The seller may only pay closing costs that are customarily paid for by the seller and the buyer must pay all costs that are customarily the buyers.<\/strong><\/p>\n<p>Interesting facts are on <a href=\"http:\/\/teammovemortgage.com\/usda\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">USDA<\/span><\/a> and <a href=\"http:\/\/teammovemortgage.com\/va-loan\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">VA<\/span><\/a>, the seller may also pay off installment debt for the buyer at closing.\u00a0 This can help the buyer qualify.\u00a0 The seller can even pay out the remaining term on the buyer&#8217;s lease so that the buyer can purchase earlier.\u00a0 This\u00a0assumes that the seller contributions stay under the limit for the program type.<\/p>\n<p><strong>Notes for above:<\/strong>\u00a0 Conventional investment property loan maximum LTV is 80%.\u00a0 Maximum <a href=\"http:\/\/teammovemortgage.com\/vacation-home-purchase\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">vacation or second home<\/span><\/a> financing is 90% LTV and <strong>now 90% is available on condos too<\/strong><\/p>\n<p>It is very important for the buyer, the buyer&#8217;s agent, and the mortgage loan officer to coordinate before making the offer so that the appropriate amount of seller paid costs are included in the purchase contract for the buyers!<\/p>\n<h2 style=\"text-align: center;\"><strong>Common misconceptions we have heard by realtors and buyers with seller paid closing costs:<\/strong><\/h2>\n<ul>\n<li><strong>On a VA loan, the seller is required to pay closing costs for the Veteran<\/strong> &#8211; <em><strong>FALSE!<\/strong><\/em>\u00a0 The seller MAY pay up to 4% of the price in costs for the Veteran (buyer).\u00a0 Someone besides the Veteran must pay for the pest or termite inspection<\/li>\n<li><strong>The seller can pay for repairs to the home &#8211; <em>Maybe!\u00a0 <\/em><\/strong>The seller can only pay for repairs to the home if there is an Escrow Holdback Agreement in place, the appraiser is requiring repairs,\u00a0and\u00a0escrow repair\u00a0is approved by underwriting<\/li>\n<li><strong>The buyer can include closing costs into the loan without listing this on the purchase contract &#8211; <em>FALSE most of the time!<\/em>\u00a0 <\/strong>In order for the buyer to include closing costs into their loan, the purchase contract must mention that there are seller paid costs in the purchase price.\u00a0 The only exception to this is <a href=\"http:\/\/teammovemortgage.com\/usda\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">USDA<\/span><\/a>.\u00a0 On a <a href=\"http:\/\/teammovemortgage.com\/usda\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"text-decoration: underline;\">USDA<\/span><\/a> loan, if the property appraises for more than the purchase price, the borrower may increase their loan to cover settlement charges up to the appraised value.\u00a0\u00a0The loan cannot be increased by more than the total closing costs though.\u00a0 For example, if the price is $200,000 and costs are $5000 and the property appraises for $208,000, then the buyer may choose to increase the loan to $205,000 so that closing costs are included in the loan.<\/li>\n<li><strong>The seller can pay towards the buyer&#8217;s down payment &#8211; <em>FALSE!\u00a0 <\/em><\/strong>The seller can never pay towards the buyer&#8217;s down payment, only towards settlement charges and\/or repairs if approved by underwriting.<\/li>\n<\/ul>\n<p>So before writing a contract, let&#8217;s coordinate on the seller paid costs and price up-front!<\/p>\n<p><strong>Related Resources:<\/strong><\/p>\n<ul>\n<li><span style=\"text-decoration: underline;\"><strong><a href=\"http:\/\/teammovemortgage.com\/blog\/2016\/02\/18\/understanding-the-levels-of-prequalification-letters-for-buyers\/\" target=\"_blank\" rel=\"noopener noreferrer\">Prequalification letters and understanding the levels for each buyer<\/a><\/strong><\/span><\/li>\n<li><span style=\"text-decoration: underline;\"><strong><a href=\"http:\/\/teammovemortgage.com\/blog\/2016\/02\/18\/pre-qualification-letter-why-are-realtors-requiring-it-before-showing-homes\/\" target=\"_blank\" rel=\"noopener noreferrer\">Why do Realtors require that you get prequalified before you look at houses<\/a><\/strong><\/span><\/li>\n<\/ul>\n<h4><strong><em>[av_button_big label=&#8217;Get Prequalified to buy a home now&#8217; description_pos=&#8217;below&#8217; link=&#8217;manually,http:\/\/teammovemortgage.com\/contact-us\/&#8217; link_target=&#8217;_blank&#8217; icon_select=&#8217;no&#8217; icon=&#8217;ue800&#8242; font=&#8217;entypo-fontello&#8217; custom_font=&#8217;#ffffff&#8217; color=&#8217;theme-color&#8217; custom_bg=&#8217;#444444&#8242; color_hover=&#8217;theme-color-subtle&#8217; custom_bg_hover=&#8217;#444444&#8242;][\/av_button_big]<\/em><\/strong><\/h4>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Knowing Seller Paid Closing Cost Limits is Important FHA, VA, USDA, and Conventional loans allow\u00a0seller\u00a0paid closing costs to a limit and it is important to know the limits Often buyers either want or need to have seller paid closing costs\u00a0in order to include part or all of their costs into their mortgage.\u00a0\u00a0Seller paid costs\u00a0can help [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":1065,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[5,24,33,17,40,41,48],"tags":[25,26,27,28,29,30,31,9,10,11,12,13,98,18,20,42,43,44,45,47,103,49,21],"class_list":["post-667","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-1st-time-buyers","category-fha","category-frequently-asked-questions","category-products","category-tips","category-usda","category-va-loans","tag-fha","tag-fha-guidelines","tag-fha-home-loans","tag-fha-loan-calculator","tag-fha-loan-requirements","tag-fha-loans","tag-fha-purchase","tag-first-time-buyers","tag-homebuyers","tag-low-down-payment","tag-lumberton-board-of-realtors","tag-mortgage-faqs","tag-nc-purchase-contract","tag-realtors","tag-team-move","tag-usda","tag-usda-home-loan-updates","tag-usda-home-loans","tag-usda-rural-development","tag-va-home-loans","tag-va-refinance","tag-va-requirements","tag-wrar"],"acf":[],"yoast_head":"<!-- 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