Estimate your maximum seller concession, calculate a post-inspection seller credit, and compare a credit with a price cut.
Enter your offer price, down payment, and loan type.
Enter your estimated closing costs and the concession amount you plan to request.
Conventional with 10–25% down (LTV 75–90%) — maximum seller contribution is 6% of purchase price.
Source: Fannie Mae B3-4.1-02
Maximum Seller Contribution Rule
6%
Fannie Mae B3-4.1-02
Max Request Allowed
$28,000
Lesser of cap % or closing costs
Your Requested Amount
$20,000
Within limit
71% of available credit limit used
| Loan origination fee (~1% of loan) | $12,000 |
| Escrow fee ($2/1,000 + $250) | $3,250 |
| Lender's title insurance (~0.22%) | $2,640 |
| Prepaids: property tax + insurance (~0.75%) | $9,000 |
| Appraisal fee (CA estimate) | $550 |
| Home inspection fee (CA estimate) | $500 |
| Recording fee (CA county average) | $244 |
| Estimated total buyer closing costs | $28,184 |
California buyer closing costs often fall in the 2–5% of purchase price (Rocket Mortgage avg. $17,581), but local customs matter. In Northern California, buyers often pay owner's title insurance and the full escrow fee. In Southern California, sellers often cover owner's title insurance and escrow is commonly split. Some charter cities, including San Francisco, Los Angeles, Oakland, and Berkeley, may add transfer taxes that are not included here. For the most accurate figure, request a Loan Estimate from your lender.
Educational purposes only — not legal, financial, mortgage, or real estate advice. Concession limits sourced from Fannie Mae Selling Guide B3-4.1-02 (last updated 05/07/2025), HUD Handbook 4000.1, VA.gov / VA Handbook M26-7 Ch.8 §5, and USDA Rural Development guidelines. CA closing cost estimates based on Rocket Mortgage, CalcLogix, and ficustree.ai research (2026). Repair cost ranges from Instant Roofer, Angi, Plumbing United (2026). Always verify with your licensed lender, real estate agent, and attorney before making financial decisions.