Yes — seller concessions can still help with closing costs when you use Chenoa. Learn FHA contribution caps and how credits stack with DPA.
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Seller Closing Costs
Yes. Seller concessions can still help with closing costs when you use Chenoa — within FHA contribution limits. Chenoa and seller credits often stack to lower your cash to close.
Chenoa Fund does not ban seller-paid closing costs. Your purchase contract can still request a seller contribution toward allowable fees, prepaid items, and other eligible closing costs — just as it would on a purchase without DPA.
The guardrails come from the first mortgage. FHA caps how much a seller can contribute. Those caps still apply when Chenoa sits in second position.
Ryan and Steve size Chenoa assistance and seller credits together so you do not over-request credits that underwriting will cut — or leave cash on the table at closing.
A strong offer uses Chenoa for down payment help and seller credits for fees — without mixing the two in confusing contract language.
Illustrative only — your numbers depend on price, product, and negotiated credits.
Related guides on assistance sizing, FHA pairing, and seller concessions.
Ryan & Steve will model Chenoa assistance and allowable seller concessions so your offer and cash-to-close stay underwriting-ready.
Chenoa Fund is a registered trademark of CBC Mortgage Agency. All programs are subject to borrower qualification and lender approval. This website is not directly affiliated with or endorsed by HUD, FHA, or the CBC Mortgage Agency.