Who pays closing costs? In most home purchases, the buyer pays many mortgage-related closing costs, while the seller often pays seller-side costs such as transfer-related charges, prorations, and real estate commission if applicable. However, the exact answer depends on the purchase contract, loan type, state law, local custom, lender guidelines, and negotiation.
The simple answer:
The buyer usually pays the costs connected to getting the mortgage and owning the home after closing. The seller may pay some of the buyer’s closing costs if negotiated in the purchase contract, but seller-paid closing costs are subject to loan program rules and may affect the purchase price or appraisal.
The Consumer Financial Protection Bureau explains that when buying a home, the buyer generally pays the costs associated with the transaction, but depending on the contract or state law, the seller may end up paying some of these costs. The CFPB also notes that seller credits are not automatically free because the seller may require a higher purchase price to cover the credit.
Important note: This article is for informational purposes only and is not a commitment to lend. Closing costs, seller credits, seller concessions, lender credits, rates, APR, fees, payment estimates, down payment, cash to close, purchase contract terms, appraisal results, and loan approval depend on borrower qualifications, property details, loan type, lender guidelines, underwriting, title, insurance, state law, local custom, and applicable program rules.
Key Takeaways Who pays closing costs buyer or seller? Usually both parties pay some closing-related costs, but the buyer often pays mortgage-related costs and the seller may pay seller-side costs. Buyers commonly pay lender fees, appraisal fee, title-related buyer charges, prepaid taxes, prepaid insurance, escrow setup, and other mortgage settlement charges. Sellers may pay costs such as real estate commission, transfer taxes where customary or required, seller title charges, payoff fees, prorated taxes, HOA transfer items, and negotiated buyer credits. Does seller pay closing costs? The seller can pay some buyer closing costs if the purchase contract allows it and the loan program permits it. Can seller pay closing costs? Yes, but the amount may be limited by loan type, occupancy, loan-to-value, and program rules. CFPB says sellers may agree to pay closing costs if the buyer agrees to a higher home price, but the home still needs to appraise for the price. Fannie Mae limits conventional loan interested party contributions based on occupancy and LTV/CLTV; principal residence and second home limits are commonly 3%, 6%, or 9%, while investment property limits are 2%. VA says it does not limit credits for a loan’s closing costs, but seller concessions are limited to no more than 4% of the home’s reasonable value. USDA seller contributions or other interested party contributions are generally limited to 6% of the sales price and must represent an eligible loan purpose. Loan Factory can help borrowers compare closing cost estimates from 240+ wholesale lenders and review seller credit, lender credit, and cash-to-close options. What Are Closing Costs? Closing costs are the fees, prepaid expenses, taxes, insurance items, and settlement charges paid when a real estate transaction closes.
Closing costs may include:
Loan origination fees Discount points Appraisal fee Credit report fee Title insurance Escrow or settlement fee Attorney fee, where applicable Recording fees Transfer taxes, where applicable Property tax prorations Homeowners insurance premium Prepaid interest Escrow account deposits HOA transfer fees, if applicable Survey fee, if required Flood certification Pest inspection, where required or negotiated Real estate commission, if applicable Seller payoff and release fees The CFPB lists common closing fees and charges such as appraisal fees, tax service provider fees, title insurance, government taxes, and prepaid expenses such as property taxes, homeowners insurance, and interest until the first payment is due.
Closing costs are different from the down payment.
The down payment reduces the purchase price financed by the loan.
Closing costs are the transaction expenses needed to complete the purchase and loan.
For a more detailed breakdown of closing costs when buying a house , including lender fees, third-party charges, prepaid expenses, and cash to close, review our complete homebuyer guide.
Who Pays Closing Costs Buyer or Seller? Both buyer and seller can pay closing costs, but they usually pay different types of costs.
Party
Common Costs They May Pay
Buyer Lender fees, appraisal, credit report, title charges, prepaid taxes, prepaid insurance, escrow deposits, recording fees, inspection, survey, discount points Seller Real estate commission if applicable, seller title charges, transfer taxes where customary or required, mortgage payoff fees, prorated property taxes, HOA transfer items, negotiated seller credits Either party Some title charges, escrow fees, transfer taxes, attorney fees, repairs, concessions, credits, or other negotiated items depending on contract and local custom
The final answer depends on:
Purchase contract State law Local custom Loan type Property location Negotiation Seller credit limits Lender guidelines Title and escrow practices Appraisal result A buyer should never assume the seller will pay closing costs unless it is clearly written into the purchase agreement and approved by the lender.
What Closing Costs Does the Buyer Usually Pay? The buyer usually pays many costs related to the mortgage and becoming the new homeowner.
Common buyer closing costs may include:
Mortgage and Lender Costs Origination fee Underwriting fee Processing fee Discount points Credit report fee Flood certification Tax service fee Property and Third-Party Costs Appraisal fee Title search Title insurance, depending on local custom Escrow or settlement fee Attorney fee, where applicable Recording fee Survey fee, if required Pest inspection, if required or negotiated Prepaid Items and Escrows Prepaid homeowners insurance Prepaid property taxes Prepaid interest Escrow deposit for taxes Escrow deposit for insurance HOA dues or transfer items, if applicable These costs may vary by state, county, lender, title company, insurance provider, loan program, and closing date.
What Closing Costs Does the Seller Usually Pay? The seller usually pays costs connected to transferring ownership and satisfying seller obligations.
Common seller closing costs may include:
Real estate commission, if applicable Mortgage payoff Payoff wire fee or release fee Prorated property taxes Transfer taxes, depending on state and local custom Seller title charges, depending on local custom HOA transfer or resale documents, if applicable Attorney fee, where applicable Repairs or credits negotiated in the contract Seller credit toward buyer closing costs, if negotiated Seller costs can vary widely because state rules, local custom, and purchase contract terms matter.
For example, in some markets the seller commonly pays owner’s title insurance. In other markets, the buyer pays it.
That is why buyers should review a location-specific estimate before making an offer.
Does Seller Pay Closing Costs? A seller can pay closing costs if it is negotiated and allowed by the loan program.
The better question is:
Will the seller agree to pay closing costs, and will the loan program allow the amount requested?
A seller may agree to pay buyer closing costs when:
The market favors buyers The home has been listed for a while The buyer offers a strong purchase price The seller wants to avoid a price reduction Repairs are needed The buyer needs help reducing cash to close A builder offers credits on a new construction home The seller wants to make the offer more attractive However, the CFPB warns that when sellers pay some or all closing costs, it does not mean the costs are free. The buyer may agree to a higher purchase price, which can create appraisal or loan approval concerns if the property does not appraise high enough.
Can Seller Pay Closing Costs? Yes. A seller can pay some buyer closing costs if the purchase contract includes a seller credit and the loan program allows it.
Seller-paid closing costs may be called:
Seller credit Seller concession Seller contribution Interested party contribution Closing cost credit Builder credit Financing concession A seller credit may be used for eligible costs such as:
Lender fees Discount points Appraisal fee Title charges Escrow fee Recording fees Prepaid taxes Prepaid insurance Escrow deposits Temporary buydown cost, if allowed Other allowable closing costs A seller credit usually cannot be used as extra cash back to the buyer.
It also usually cannot be used to meet the buyer’s minimum down payment, reserve requirement, or minimum borrower contribution unless the specific program allows it.
Fannie Mae states that interested party contributions are used to cover costs typically the buyer’s responsibility, but Fannie Mae does not permit IPCs to be used for the borrower’s down payment, reserves, or minimum borrower contribution requirements.
Seller Credits vs. Seller Concessions People often use “seller credits” and “seller concessions” interchangeably, but the exact meaning can vary by loan type.
Term
General Meaning
Seller credit Seller agrees to credit money toward the buyer’s eligible closing costs Seller concession Seller provides something of value to help the buyer complete the transaction Interested party contribution Contribution from seller, builder, agent, or another party with an interest in the sale Financing concession Contribution toward loan-related costs, closing costs, prepaids, or allowed items Sales concession Non-realty item or excess contribution that may require price adjustment under some rules
For conventional loans, Fannie Mae separates financing concessions from sales concessions. Financing concessions can be used toward borrower closing costs and prepaids, but amounts above limits may be treated as sales concessions and may require adjustments to the property’s sales price for underwriting.
For VA loans, seller-paid normal closing costs and seller concessions are treated differently. VA says it does not limit credits for a loan’s closing costs, but seller concessions are limited to no more than 4% of the home’s reasonable value.
Seller Credit Limits by Loan Type Seller credit limits vary by loan type and transaction.
Loan Type
Common Seller Credit or Contribution Rule
Conventional primary residence or second home Fannie Mae maximum financing concessions are 3% if LTV/CLTV is greater than 90%, 6% if LTV/CLTV is 75.01% to 90%, and 9% if LTV/CLTV is 75% or less Conventional investment property Fannie Mae maximum financing concessions are 2% for all CLTV ratios FHA loan FHA interested party contributions are commonly limited to 6% of the sales price or appraised value, subject to HUD/FHA rules and lender review VA loan VA does not limit credits for loan closing costs, but seller concessions are limited to no more than 4% of the home’s reasonable value USDA loan USDA seller or interested party contributions are generally limited to 6% of the sales price and must be for an eligible loan purpose Jumbo loan Limits vary by lender and investor Non-QM loan Limits vary by lender and investor
Fannie Mae’s conventional IPC table provides the 3%, 6%, 9%, and 2% limits based on occupancy and the loan-to-value ratio (LTV) . USDA guidance states seller contributions or other interested party contributions are limited to 6% of the sales price and must represent an eligible loan purpose.
Important Note About Loan Type Limits Seller contribution limits are not the same as permission for unlimited seller-paid items.
The lender must confirm:
The credit is allowed The amount is within the loan program limit The cost is eligible The credit is properly disclosed The credit does not exceed actual allowable costs The property appraises The borrower still meets cash-to-close and underwriting requirements Who Pays Closing Costs on a Conventional Loan? On a conventional loan, the buyer usually pays mortgage-related closing costs unless the seller agrees to provide a seller credit.
Fannie Mae’s interested party contribution rules allow seller or other interested party contributions toward certain buyer costs, but limits depend on occupancy and loan-to-value ratio.
For Fannie Mae conventional loans:
Occupancy and LTV/CLTV
Maximum Financing Concession
Principal residence or second home, greater than 90% LTV/CLTV 3% Principal residence or second home, 75.01% to 90% LTV/CLTV 6% Principal residence or second home, 75% LTV/CLTV or less 9% Investment property, all CLTV ratios 2%
Fannie Mae says these maximum financing concessions are calculated using the lower of the sales price or appraised value, not the loan amount.
Conventional seller credits may be useful for:
First-time buyers Buyers with limited cash after down payment Buyers who want to cover prepaid taxes and insurance Buyers who want to buy discount points Buyers in slower markets Buyers asking for repair credits instead of seller repairs However, the credit cannot exceed allowable limits or actual eligible costs.
Who Pays Closing Costs on an FHA Loan? On an FHA loan , the buyer usually pays closing costs unless the seller agrees to contribute.
FHA loans may allow interested party contributions toward the buyer’s closing costs, prepaid expenses, discount points, and other allowable costs, subject to FHA and lender rules.
FHA seller contributions are commonly limited to 6% of the sales price or appraised value, depending on FHA guidance and lender review. HUD’s FHA Single Family Housing Policy Handbook 4000.1 is the official policy source for FHA single-family loan requirements.
FHA seller credits may help buyers reduce cash to close, but the buyer still needs to meet:
FHA minimum required investment Credit requirements Income requirements Debt-to-income requirements Appraisal and property standards Underwriting approval A seller credit does not guarantee FHA loan approval.
Who Pays Closing Costs on a VA Loan? VA loans have unique closing cost rules.
Buyers using VA financing can review common VA loan closing costs , including the VA funding fee, appraisal, title charges, and prepaid expenses.
A VA buyer may pay certain allowable fees and charges. VA guidance says reasonable and customary itemized fees may include the VA funding fee if not exempt, VA appraisal and repair inspections if any, credit report, recording fees and recording taxes, prepaid items, applicable taxes, hazard insurance, flood insurance, title examination, title insurance, MERS fee, flood determination, survey, and approved local deviations.
The seller may also pay costs.
VA says:
It does not limit credits for a loan’s closing costs. Seller concessions are limited to no more than 4% of the home’s reasonable value. Seller concessions can include credits for the VA funding fee, debt payoff, or prepayment of the buyer’s hazard insurance. This means VA has a two-part concept:
VA Cost Type
General Treatment
Normal loan closing costs VA does not limit credits for these closing costs Seller concessions Limited to no more than 4% of the home’s reasonable value
Sellers are not required to pay VA buyer closing costs, but buyers may negotiate seller-paid costs in the purchase contract.
Who Pays Closing Costs on a USDA Loan? On USDA home loans , the buyer may pay closing costs, but seller or other interested party contributions may be allowed within USDA rules.
USDA guidance states that seller contributions or other interested party contributions are limited to 6% of the sales price and must represent an eligible loan purpose. It also states that closing costs and prepaid items paid by the lender through premium pricing are not included in the seller contribution limitation.
USDA loans may also allow certain closing costs to be financed with loan funds when requirements are met. USDA guidance states that reasonable and customary closing costs can be financed with loan funds, subject to program rules.
USDA borrowers should compare:
Seller credits Lender credits Guarantee fee Prepaid taxes and insurance Escrow deposits Appraisal and title charges Final cash to close Can Lender Credits Pay Closing Costs? Yes. A lender credit may help pay closing costs.
A lender credit is different from a seller credit.
Credit Type
Who Provides It?
Common Trade-Off
Seller credit Seller, builder, or interested party May affect negotiation or purchase price Lender credit Lender May come with a higher interest rate Gift funds Eligible donor Must meet program documentation rules Down payment assistance Approved program Must meet assistance program rules
Eligible buyers may also want to review down payment assistance programs , which may help cover part of the down payment, eligible closing costs, or both, depending on program rules.
The CFPB explains that a lender credit is not free; the lender may increase the loan amount or charge a higher interest rate in exchange for the credit.
A lender credit may help reduce upfront cash, but buyers should compare:
Interest rate APR Monthly payment Cash to close Total cost over time Break-even timeline Refinance plan The lowest cash-to-close option is not always the lowest total-cost option.
When comparing lender credits, buyers should also review our guide on how to choose a mortgage lender to evaluate interest rates, APR, closing costs, payment, and overall loan structure.
Can Closing Costs Be Rolled Into the Loan? Sometimes, but not always.
Whether closing costs can be financed depends on:
Loan type Purchase vs. refinance Appraised value Loan-to-value limits Program rules Lender guidelines Whether the cost is eligible to finance For many purchase loans, the buyer cannot simply roll all closing costs into the loan amount unless the loan program allows it.
For refinances, certain costs may sometimes be financed, subject to loan program and equity requirements.
The CFPB explains that “no closing cost” loans are not free. In many cases, closing costs are covered by a lender credit through a higher rate or rolled into the loan through a higher loan balance.
Buyers should ask the lender to show the difference between:
Paying closing costs in cash Using seller credits Using lender credits Financing eligible costs, if allowed Increasing purchase price to include seller credit Reducing price instead of taking a credit Seller Credit vs. Price Reduction A seller credit and price reduction are not the same.
Option
Helps With Cash to Close?
Reduces Purchase Price?
May Affect Loan Amount?
Seller credit Yes No Maybe, depending on structure Price reduction Not directly Yes Yes Lender credit Yes No May affect rate Repair credit Maybe No Depends on contract and lender approval
Seller Credit Example Hypothetical example only: This example is for educational purposes only and is not a commitment to lend. Actual approval, closing costs, seller credits, appraisal, rates, APR, payment, cash to close, and loan terms depend on borrower qualifications, property details, lender guidelines, underwriting, appraisal, title, insurance, and purchase contract terms.
A buyer offers a higher price and asks the seller to contribute toward closing costs.
This may reduce the buyer’s cash needed at closing.
But if the property does not appraise for the higher price, the loan may need to be restructured.
The CFPB gives a similar warning: a seller may require a higher purchase price when paying buyer closing costs, and the home may not appraise for that price, which can create loan problems.
Price Reduction Example A lower purchase price may reduce loan amount and long-term interest, but it may not solve an immediate cash-to-close shortage.
The better strategy depends on the buyer’s cash, appraisal risk, loan type, seller motivation, and long-term plan.
How to Ask the Seller to Pay Closing Costs A buyer can ask the seller to pay closing costs through the purchase offer.
The request should usually be written clearly in the purchase agreement.
Examples of seller credit language may include:
Seller to credit buyer a specific dollar amount toward buyer’s allowable closing costs and prepaids. Seller to credit buyer a specific percentage of the purchase price toward allowable closing costs. Seller to pay buyer’s allowable closing costs up to a stated amount, subject to lender approval. Seller credit not to exceed buyer’s actual allowable closing costs. The exact contract language should be handled by the real estate agent, attorney, or contract professional according to local rules.
Before making the offer, buyers should confirm:
How much credit is needed Maximum credit allowed by loan type Whether the credit can cover the intended costs Appraisal risk Seller motivation Local market conditions Whether a price reduction would be better Whether the buyer has enough funds if the credit is reduced What Seller Credits Can Usually Cover Seller credits may be used for eligible buyer costs, depending on loan program rules.
Common uses may include:
Lender fees Discount points Appraisal fee Credit report fee Title fees Escrow or settlement fees Recording fees Transfer taxes, where applicable Prepaid homeowners insurance Prepaid property taxes Prepaid interest Initial escrow deposits Temporary buydown costs, if allowed HOA dues or assessments, if allowed Seller credits usually cannot be used for:
Cash back to buyer beyond allowed amounts Buyer’s minimum down payment, unless program rules allow Minimum borrower contribution, unless program rules allow Reserves, unless program rules allow Personal property not included in the transaction Moving costs, unless allowed and properly treated Unapproved repairs or side agreements Undisclosed credits outside closing Fannie Mae says undisclosed interested party contributions can make loans ineligible for sale to Fannie Mae, and examples include moving expenses, payment of fees on the borrower’s behalf, silent second mortgages from the seller, and other contributions given outside closing and not disclosed on the settlement statement.
What Happens If Seller Credit Is Too High? If the seller credit is higher than the buyer’s allowable closing costs, the extra credit usually cannot be given to the buyer as cash.
Possible outcomes may include:
Credit is reduced Purchase contract is amended Credit is applied to eligible costs only Discount points are added, if appropriate and allowed Interest rate buydown is reviewed, if allowed Excess concession is treated under loan program rules Loan-to-value or sales price may be recalculated Closing may be delayed For conventional loans, Fannie Mae states that financing concessions must be equal to or less than the borrower’s closing costs; any amount exceeding the borrower’s closing costs must be treated as a sales concession.
This is why buyers should ask for a credit based on a real closing cost estimate, not a guess.
Closing Costs Buyer vs. Seller Example Hypothetical example only: This example is for educational purposes only and is not a quote, approval, or commitment to lend. Actual closing costs, credits, payment, rates, APR, cash to close, appraisal, and approval depend on borrower qualifications, property details, lender guidelines, underwriting, title, insurance, and purchase contract terms.
A buyer is purchasing a home and receives an estimated closing cost breakdown.
Cost Category
Possible Paying Party
Down payment Buyer Lender fees Buyer or seller credit Appraisal Buyer or seller credit Title charges Buyer, seller, or split by local custom Prepaid homeowners insurance Buyer or seller credit Escrow deposits Buyer or seller credit Real estate commission Seller, if applicable and negotiated Prorated property taxes Buyer or seller depending on closing date and local practice Transfer taxes Buyer, seller, or split depending on state/local custom Seller credit Seller, if negotiated Lender credit Lender, usually with pricing trade-off
If the buyer needs help reducing cash to close, they may negotiate a seller credit.
If the seller will not provide a credit, the buyer may compare lender credit options or adjust price, down payment, or loan structure.
Loan Factory Experience Note: In real purchase reviews, buyers often focus on the down payment first and underestimate prepaid taxes, insurance, and escrow deposits. A strong offer strategy reviews cash to close, seller credit limits, appraisal risk, and lender credit options before the buyer signs the contract.
How to Compare Closing Cost Options Before choosing a seller credit or lender credit, compare multiple scenarios.
Scenario
Best For
Watch Out For
Buyer pays closing costs Lower purchase negotiation complexity Higher cash to close Seller pays closing costs Lower buyer cash to close May require higher price or appraisal support Lender credit Lower upfront cash May increase rate or long-term cost Price reduction Lower loan amount May not solve cash-to-close issue Discount points Lower rate Higher upfront cost Temporary buydown Lower early payment if allowed Must understand future payment increase
A good loan comparison should show:
Cash to close Monthly payment Interest rate APR Total closing costs Seller credits Lender credits Discount points Prepaid items Appraisal risk Loan program limits Common Mistakes to Avoid Mistake 1: Assuming the Seller Always Pays Closing Costs The seller only pays buyer closing costs if it is negotiated and allowed.
Mistake 2: Asking for More Credit Than the Loan Allows Seller credit limits vary by loan type.
Conventional, FHA, VA, USDA, Jumbo, and non-QM loans may all treat credits differently.
Mistake 3: Thinking Seller Credits Are Free The CFPB explains that seller-paid closing costs may be reflected in a higher purchase price, meaning the buyer may still pay indirectly through the loan.
Mistake 4: Forgetting the Appraisal If the purchase price is increased to include seller credits, the home still needs to appraise.
Mistake 5: Confusing Down Payment and Closing Costs A seller credit may help with eligible closing costs, but it usually cannot replace the buyer’s required down payment.
Mistake 6: Ignoring Prepaid Items Taxes, insurance, and escrow deposits can be a large part of cash to close.
Mistake 7: Comparing Only Interest Rate A loan with a lower rate may have more points or higher cash to close.
Compare rate, APR, costs, and credits together.
Mistake 8: Not Reviewing the Loan Estimate Early The Loan Estimate helps buyers understand projected closing costs and cash to close.
Mistake 9: Waiting Until the Final Week to Fix Credit Issues If the seller credit is not enough or a cost changes, buyers may need extra funds before closing.
Who Pays Closing Costs Checklist Use this checklist before submitting an offer.
Question
Why It Matters
What are my estimated buyer closing costs? Helps calculate cash to close What costs does the seller usually pay locally? Local custom affects negotiation Do I need seller credit? Helps reduce upfront cash How much seller credit is allowed by my loan type? Prevents contract issues Can the credit cover my actual eligible costs? Excess credit may be unusable Would a lower price be better than a seller credit? Affects long-term cost Could a lender credit help? May reduce cash to close What is the appraisal risk? Higher price may create issues Are prepaid taxes and insurance included? These can be significant Did I compare rate, APR, payment, and cash to close? Avoids choosing based on one number Is the seller credit clearly written in the contract? Prevents closing disputes
How Loan Factory Helps With Closing Costs Loan Factory helps homebuyers compare mortgage options from 240+ wholesale lenders using technology designed to make the home loan process clearer, faster, and more transparent.
If you are asking “Who pays closing costs?”, Loan Factory can help you review buyer closing costs, seller credits, lender credits, cash to close, prepaid taxes and insurance, rate options, APR, and loan program limits before you make an offer.
What Loan Factory Offers Homebuyers Access to 240+ wholesale lenders Side-by-side mortgage options to compare rate, APR, payment, fees, credits, and cash to close Local loan advisor support to explain buyer costs, seller credits, lender credits, and loan program limits TERA technology platform to support pricing, loan comparison, document flow, and loan review No application fee to start reviewing your options Support for Conventional, FHA, VA, USDA, Jumbo, refinance, and other available mortgage programs Guidance before you shop, make an offer, negotiate seller credits, or compare loan options Loan Factory does not guarantee approval, seller credit acceptance, appraisal results, or that a seller will pay closing costs.
But Loan Factory can help you compare available options and understand estimated cash to close before you move forward.
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Author Box Written by: Loan Factory Mortgage Education Team
Loan Factory is a technology-powered mortgage platform helping homebuyers and homeowners compare mortgage options from 240+ wholesale lenders. Our mortgage education content is designed to help borrowers understand closing costs, seller credits, lender credits, cash to close, mortgage pre-approval, loan requirements, affordability, and the home loan process before applying.
Compliance Disclaimer This content is for informational and educational purposes only and is not a commitment to lend, not legal advice, not tax advice, and not financial advice. Closing costs, seller credits, seller concessions, lender credits, purchase contract terms, state and local charges, title fees, escrow costs, transfer taxes, prepaid items, rates, APR, payment estimates, down payment, cash to close, loan approval, appraisal results, and closing timelines depend on borrower qualifications, property details, purchase contract terms, state law, local custom, lender guidelines, loan program rules, underwriting, title, insurance, and settlement provider requirements. Not all applicants or properties will qualify. Terms may change without notice.
Loan Factory is not affiliated with or acting on behalf of HUD, FHA, VA, USDA, Fannie Mae, Freddie Mac, FHFA, CFPB, or any government agency. FHA, VA, USDA, Conventional, Jumbo, conforming, non-conforming, and other loan programs are offered through participating lender partners, subject to eligibility and underwriting approval.
FAQ: Who Pays Closing Costs? 
