Get Closing Cost Credits

Stop burning cash at the closing table—make the seller help pay for it.

Closing costs have ballooned with inflation. Between lender fees, title charges, insurance, taxes, and prepaid interest, your cash-to-close can jump at the last minute.

Surprises happen during underwriting: flood insurance requirements, rate buydowns (points), higher-than-expected title or homeowners insurance—each one can add hundreds or even thousands of dollars. That’s money out of your pocket you planned for moving, furniture, or your rainy-day fund.

Use seller-paid closing cost credits (a.k.a. seller concessions) to lower your out-of-pocket cash so you focus on the down payment only. Our team at Gustan Cho Associates shows you how to structure the offer, negotiate credits, and apply them to eligible costs like:

📌Discount points to lower your rate
📌Title and escrow fees
📌Prepaids: taxes, insurance, and interest
📌Flood insurance (when required)
📌Other allowable lender and third-party fees

Result: happier borrowers, fewer last-minute cash shocks, and potentially thousands saved at the closing table.

Ready to reduce cash to close?

📞 Call Gustan Cho Associates: 800-900-8569
👥 Talk to a loan officer who will map out your savings and structure your offer with seller credits.