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The contract specifically states that the buyer will pay all points, loan origination fees, charges and other costs imposed by the lender.
Part of the terms of the contract may be that the seller will pay some of the closing costs. This is a point of negotiation between the buyer and seller. If you are asking the seller to pay a portion of your closing costs, you should figure that it is cutting the sale price and should consider this as part of the offer. Most mortgage lending will allow up to 3% of the sales price to be contributed by the seller.
For example, if you're offering the seller $250,000 for his house and you're asking the seller to pay up to 3% in closing costs and pre-paids, or $7,500, then the offering price is really $242,500.
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