Episode Details

Want to snag seller concessions on your crib? Here’s the smart way: every loan type has a hard cap—conventional loans let you ask for 3% to 9% based on your down payment, FHA gives you a flat 6%, VA lets you go beyond closing costs but caps other perks at 4%, and USDA also caps at 6% (excluding repair funds). But here’s the kicker: you can’t get more than your actual closing costs. So talk to your lender first, nail down your expenses, and negotiate like a pro—because knowing your limits turns seller help into real savings.

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