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Discussion in 'Credit Talk' started by k, Mar 28, 2001.
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Congrats on being preapproved. Usually sellers offer 2-3% toward the closing costs as a benefit to the buyer. For an example, a home has been on the market for 6-9 months and the owners needed to transfer because of a job or whatever. To entice a buyer they offer to put a percentage of the selling price toward closing costs. Hope this helps.
The seller of the home I purchased in 1998 paid the closing costs and down payment, but I have to pay it back. Make sure you don't have to pay it back.
I bought a home in 1982 also. The seller paid the closing costs because the home had been on the market for a long time, and I didn't have to pay that back. That was when I had GOOD credit.
I have used these and sent some of my clients here for a downpayment assistance. Hope this helps.
Where you are, do they have the Nehemiah program? It helps lower the downpayment amount.
Also, there are programs where you can get a loan but you don't have to pay it back until you sell the house.
I wish I'd known that stuff when I bought my house. Good luck and CONGRATS!