10/21/2026
"Can I ask the seller to help with my closing costs?"
Yes, and more buyers are asking right now. It's called a seller credit or concession. Loan programs set limits, like 3% of the price on a conventional loan with less than 10% down, or 6% on an FHA loan.
Whether a seller says yes depends on the home. If it went on the market last weekend, maybe not. If it's been sitting a month, there's usually room to talk.
Have a question you'd like me to answer? Send me a message.