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First Time Buyers >The Seller May Pay
The costs of buying a home may be daunting. For example, you may have finally saved enough for a down payment on your first home, with a little left over to buy the furniture you will need. Then you hear about having to pay closing costs you weren't anticipating, and this may seem like a real setback.
One way to cover such a shortage is to make the sellers an offer that calls for them to credit you for some of the closing costs. As a rule, the sellers may pay a maximum of 3 percent of the sales price if the buyer is putting five percent down. If the buyer is making a down payment of 10 percent or more, the seller can contribute up to 6 percent of the sales price to cover the buyer's closing costs. Some items, such as prepaid taxes and the first month's mortgage payment, must be paid by the buyers. Sellers may also contribute to paying the appraisal, points, title insurance, settlement attorney fees, state or local transfer taxes and similar items.
Keep in mind that if the credit is included in the price of the house, the appraiser will have to justify the amount, based on sales prices of similar homes in the neighborhood.
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Due to low business and living expenses, what areas are considered to be the fastest growing in the country?
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According to recent studies, the Southern and Western regions of the U.S. are among the nation's strongest economies. |
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The Home Solutions Team
Keller Williams Premier Realty
659 Bielenberg Drive
Woodbury, MN 55125
651-209-8250
Fax: 651-389-9323
Team@YourHappyHome.com
Stronger As A Whole. The Home Solutions Team is made up of some of the most widely recognized real estate professionals in the Twin Cities region. They have over 40 years combined experience helping families buy and sell real estate. Working together over the past few years, it made sense to bring the combined experience under one roof… making the team stronger than the independent professionals. By working together, we can provide the client with a broad spectrum of experience, market knowledge, and marketing ability, all the while preserving the commitment to outstanding customer service.
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