Can a Seller Pay My Closing Costs?
By JC Pacific Corp Published 2026-09-01 Last professionally reviewed: September 2026
A California buyer may request that the seller contribute toward eligible closing costs. The seller is not required to agree, and lender rules may limit the amount and permitted uses.
How Is the Request Made?
The credit should be included in the offer, counteroffer or later written agreement. The wording should identify the amount or calculation clearly.
Does a Credit Make the Offer Weaker?
It can affect the seller's net proceeds. The seller may compare an offer requesting a credit with another offer that does not. That does not mean buyers should never request one. The credit may make the purchase financially workable and can be part of the overall price negotiation.
Ask the Lender First
Before writing the request, ask: What is the maximum permitted credit? How much can I realistically use? Which expenses qualify? Could the structure affect appraisal? How would changing the price affect my payment? What happens if actual costs are less than the credit?
The Consumer Financial Protection Bureau provides consumer information about common mortgage and closing costs.
Frequently Asked Questions
Is the seller paying my down payment?
A closing-cost credit generally cannot replace the buyer's required investment. Confirm the specific loan rules with the lender.
Can I request both repairs and a credit?
You may propose that, but the seller can accept, reject or counter the request.
Can I receive unused credit as cash?
Usually not. The credit is generally limited to approved expenses.
Ask your lender and agent to help structure a credit that is usable, supportable and clearly written.
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JC Pacific Corp is an Irvine-based Southern California brokerage helping buyers navigate offers, escrow, and financing. Tell us what you are looking for and we will point you to current options across the region.
A note on legal advice: These guides provide general, educational information about California real estate practice. They are not legal advice and do not create an attorney-client relationship. Mortgage information is general education, not individualized lending, tax or legal guidance. For advice about your specific offer, contract, closing or financing, consult a qualified California real estate attorney and a qualified mortgage professional.