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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 two streets near the Los Angeles Beverly Center were named for a famous husband and wife comedy team?
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| A |
George Burns Drive and Gracie Allen Way |
 See More Real Estate Trivia > |
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Ryan M. Ney
RE/MAX Fine Properties
21000 N Pima Road
Suite 100
Scottsdale, AZ 85255
Direct: 480-332-5659
Office: 480-792-9500
Toll Free: 888-471-9500
Email: Ryan@RealScottsdaleHomes.com
Ryan was born and raised here in the Valley of the Sun and, as a result, has a unique perspective on the valley and what it has to offer. He has a business management degree from Arizona State as well as the ability to think outside the box when a situation requires a unique and innovative solution. Whether you are new to the market, thinking of moving up, or even an experienced investor, Ryan has the expertise, the energy, the enthusiasm and the access to resources to help you achieve your goals.    
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