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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.
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| Q |
What building has been named the 21st Century Townhouse project?
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| A |
4 townhouse in Bowie, MD made of giant foam/board panels, concrete/styrofoam block frames, steel, and aerated concrete. |
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The Fisher Team
RE/MAX Ranch & Beach
16787 Bernardo Center Drive #A-6
San Diego, CA 92128
Pam's DRE License: 00661844
Bill's DRE License: 00785596
Tel: 858-748-9077
Fax: 619-342-4065
Email: FisherTeam@NUMBER1EXPERT.com
What sets the Fisher Team apart from the crowd is not only their numerous awards - and all the professional designations they have earned, but also the ability each of them has to listen. To be a good agent takes more than simply business skills and real estate experience, of which they have plenty. It takes personal dedication and a caring attitude, rarely found in today's competitive business world. What matters most to the home buyer or seller throughout the transaction – that’s what is most important to Pam and Bill.  
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