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First Time Buyers >The Seller May Pay The costs of buying a home may be daunting. For example, you may have finally saved enough for a down payment on your first home, with a little left over to buy the furniture you will need. Then you hear about having to pay closing costs you weren't anticipating, and this may seem like a real setback. One way to cover such a shortage is to make the sellers an offer that calls for them to credit you for some of the closing costs. As a rule, the sellers may pay a maximum of 3 percent of the sales price if the buyer is putting five percent down. If the buyer is making a down payment of 10 percent or more, the seller can contribute up to 6 percent of the sales price to cover the buyer's closing costs. Some items, such as prepaid taxes and the first month's mortgage payment, must be paid by the buyers. Sellers may also contribute to paying the appraisal, points, title insurance, settlement attorney fees, state or local transfer taxes and similar items. Keep in mind that if the credit is included in the price of the house, the appraiser will have to justify the amount, based on sales prices of similar homes in the neighborhood. See All Tips In The "First Time Buyers" Category > See Complete Library Of Hundreds Of Tips In 30+ Categories >

Q  What unique type of home is making news as an affordable, environmentally-friendly housing alternative? A  Straw bale homes may well become the non-toxic, affordable home of choice in the future. See More Real Estate Trivia >

Susan Baldwin Keller Williams Realty 2410 L & N Drive, Suite C Huntsville, AL 35763 Heidi's Mobile: 256-658-3068 Susan's Mobile: 256-653-8999 Email Susan: susanbaldwin@kw.com www.AlabamaRealEstateConnection.com is brought to you by Susan Baldwin NUMBER1EXPERT™ in real estate for Huntsville, Madison and Hampton Cove, Alabama Read Susan Baldwin's Privacy Guarantee, Terms of Service, and Free & Without Obligation Pledge

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