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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 house is thought to be the first one designed by Frank Lloyd Wright?
A	Charnley House in Chicago, Illinois, is considered to be the first home designed by Wright while at Adler & Sullivan.
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Air Assault Team, REALTOR®, real estate agent and broker for Ft. Campbell, KY, and Adams and Clarksville Tennessee home listings, property and land for sale - NUMBER1EXPERT(tm)

Valerie Hunter-Kelly - Air Assault Team
Keller Williams Realty
Realtors For Life
2279B Wilma Rudolph Blvd.
Clarksville TN 37040
Cell:: 931-320-2100
Phone:: 931-245-7435
Fax: 866-526-8997
Valerie@ValerieHunterKelly.com
As a military spouse who has moved numerous times, I understand the stress of relocation. I specialize in military and corporate transfers and am licensed in Kentucky and Tennessee.

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