Can I Get Help Paying Closing Costs?
Possibly. Assistance programs, negotiated seller credits, or lender credits may reduce the cash you need at closing. Each works differently, and the loan program limits what can be used.
Compare the source of the help
Seller credits depend on the purchase agreement and loan rules. Lender credits can change the interest rate. Assistance programs have their own eligibility and repayment terms.
Ask for the effect on the full loan
Request a written comparison of cash to close and ongoing costs. CalHFA’s MyHome may support eligible down payment or closing costs when used with an approved CalHFA first mortgage.
| Option | What to review |
|---|---|
| Seller credit | Negotiation and loan limits |
| Lender credit | Rate and long-term borrowing cost |
| Assistance program | Eligibility, funding, and repayment |
Talk to Dominique About Closing Costs
Share your plans, priorities, and timing with Dominique.