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Guidelines for Seller Contributions

When structuring real estate transactions to meet Fannie Mae, Freddie Mac, FHA, VA, and community products, agents should keep in mind the following allowable seller contributions for closing costs and prepaids:

 

Conventional Loans

            Primary & Second homes

                        90% to 100% loan-to-value:  3%

                        75% to 90% LTV:  6%

                        Up to 75% LTV:  9%

            Investment properties

                        2% maximum, regardless of LTV

 

FHA Loans

            6% plus 3% for down payment assistance through a third party

 

VA Loans

            4% regardless of LTV

 

First-time homebuyer community programs

            3% to 6%

 

Seller contributions are based on the lesser of the sale price or the appraised value of the property.  Comparing similar active listings and sold homes in the area is critical.

6 comments • Pat Haddad, ABR,CRS,e-PRO,GRI Indianapolis • June 25 2008 12:17PM

Comments

Pat,

This is a wonderful post for all REAL ESTATE AGENTS and LOAN OFFICERS alike.  It puts everything right at your fingertips.  It is really preventive measures from having to have contracts re-executed as well as appraisals re-ordered and loans re-structured.

Thank you. 

Posted by Melissa Cochran (Hunt-Miller Insurance Agency) about 1 year ago

FHA seems to be the way to go these days; flexible underwriting and greater contribution allowances give FHA the edge.

Posted by Stephen Graham (Realty Professionals, Inc) about 1 year ago

Thanks Melissa. It seems nowadays that when sellers help buyers, their homes sell much faster. And ,we agents, need to know what we can and cannot do.

Posted by Pat Haddad, ABR,CRS,e-PRO,GRI Indianapolis (The Haddad Team, Keller Williams ) about 1 year ago

For sure Stephen. It seems that  about half of our trasactions end up being FHA with Down Payment Assistance. Thanks for your comment.

Posted by Pat Haddad, ABR,CRS,e-PRO,GRI Indianapolis (The Haddad Team, Keller Williams ) about 1 year ago

Is there a minimum or required seller contribution on VA?

Posted by jacques 5 months ago

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Here is a link to the VA guidelines.  Hope this helps!!

 

http://www.warms.vba.va.gov/pam26_7.html

Posted by Pat Haddad, ABR,CRS,e-PRO,GRI Indianapolis (The Haddad Team, Keller Williams ) 5 months ago

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