Use this seller concession calculator to find the maximum amount a seller can pay toward your closing costs on a Conventional, FHA, VA, or USDA loan. Enter your purchase price and down payment to see exact concession limits, estimated closing costs, and how much cash stays in your pocket at closing. Stack it against our closing costs calculator or run a 2-1 buydown with the leftover credits.
Down payment: $20,000 · Loan: $380,000
With 5% down: Primary or second home, under 10% down
Max: 3% ($12,000)
Your request is more than the estimated closing costs and prepaids ($10,950). Concessions cannot exceed your actual costs, so only that amount can be used.
With a Conventional loan and 5% down, the seller can contribute $10,950, which covers $10,950 of your estimated closing costs and prepaids.
Primary residence at your down payment. VA adds normal closing costs on top of 4%.
Note: Closing costs will vary based on lender, location and transaction type. Each loan program has its own limits on seller concessions, and they can never exceed the actual costs. They also cannot be applied toward your down payment. Always double-check the exact numbers with your loan officer.
We help you structure your offer the right way: what to ask for, how to position it, and which closing costs explained make the biggest impact. Getting pre-approved first puts you in a much stronger position when negotiating, and our closing-costs calculator will sharpen the number you ask the seller to cover.
Seller concessions can reduce the amount you need upfront by thousands, giving you more flexibility when you move in.
The seller concessions can also be applied toward discount points, which can lower your monthly payment over time.
A pre-approved buyer who asks for concessions the right way can still make a strong offer, even when cash is tight.
Conventional, FHA, VA and USDA all allow seller concessions, each with its own limits and guidelines.
Choose the right setup and make sure you are using what is available to you.
3% to 9% concessions
Up to 6% seller paid
All closing + 4% extra
Up to 6% seller paid
If you are unsure how to approach this, our team works through these scenarios daily and can help you structure it the right way.
Read about prepaid costs at closing and how long a seller has to accept an offer, or model the payment in our mortgage calculator.