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asked Aug 23 in Buying a Home by anonymous

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Closing costs are entirely negotiable between the buyer and the seller. Closing costs include mortgage lender fees, taxes, real estate commissions, title insurance and escrow services, appraisals, inspections and more. While certain splits are customary in your area, that does not mean you have to do it any particular way. Things to keep in mind:

1. Some mortgage programs limit how much help you can get from an interested party like the home seller.
2. Some mortgage programs allow you to pay a higher interest rate, and in turn the lender will cover your closing costs.

Here is an article about how to get the seller to pay your closing costs: https://themortgagereports.com/29154/get-sellers-pay-closing-costs-to-pay-your-closing-costs

Good luck and thank you for writing.
answered Sep 10 by GinaPogol (44,900 points)

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