How close to $0 can you get?
Enter a price, rate, grant, and seller concessions to see your estimated cash at closing and full monthly payment.
Your numbers
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Offer strategy: In markets where buyers have negotiating room, you may offer at or near asking price and request only the seller concessions needed for eligible closing costs. If approved credit remains, it may fund a lender-quoted rate buydown. Seller acceptance is not guaranteed, and the contract, appraisal, lender, and program rules control the final amount.
Optional rate-buydown estimate
Enter the lower rate and exact cost from a loan officer. The calculator never guesses how many points lower a rate.
Forgiven at closing, no repayment. 3.5% covers the full FHA down payment.