USDA seller concession rules and how we structure credits so you close with less cash. The 2 Mortgage Guys at Luminate Bank, lending nationwide.
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Seller Closing Costs
Yes — USDA allows seller concessions toward eligible closing costs and prepaid items, commonly up to about 6% of the sales price. That credit is often how zero-down buyers close with little cash out of pocket. Ryan and Steve build the concession request into your offer strategy before you go under contract.
Seller credits are a contract tool — not automatic, and not unlimited.
Most USDA buyers use seller concessions as the primary way to wipe out cash to close after financing the purchase price and upfront guarantee fee.
On a $250,000 USDA purchase:
Ryan and Steve treat concessions as part of the purchase strategy — not a last-minute ask at the closing table.
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Send Ryan & Steve your price range — we will size the USDA concession ask, stack gifts or lender credits if needed, and show your real cash to close.