USDA allows seller concessions — often up to about 6% — toward eligible closing costs. See how credits work with The 2 Mortgage Guys.
Can the Seller Pay My Closing Costs on a USDA Loan? | 2MG
USDA allows seller concessions — often up to about 6% — toward eligible closing costs. See how credits work with The 2 Mortgage Guys.
Can the Seller Pay My Closing Costs on a USDA Loan?
How USDA Seller Concessions Work
What Seller Credits Usually Cover
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How We Structure Seller Credits in Your Offer
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Yes — USDA allows seller concessions toward eligible closing costs and prepaid items, commonly up to about 6% of the sales price. That credit is often how zero-down buyers close with little cash out of pocket. Ryan and Steve build the concession request into your offer strategy before you go under contract.
Seller credits are a contract tool — not automatic, and not unlimited.
Most USDA buyers use seller concessions as the primary way to wipe out cash to close after financing the purchase price and upfront guarantee fee.
On a $250,000 USDA purchase:
Ryan and Steve treat concessions as part of the purchase strategy — not a last-minute ask at the closing table.
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Related guides to help you plan cash to close and move toward pre-approval.
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Send Ryan & Steve your price range — we will size the USDA concession ask, stack gifts or lender credits if needed, and show your real cash to close.
Steve DeLon and Ryan Minick - Branch Managers and Senior Loan Officers at .
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Ryan Minick NMLS# 203249
Steve DeLon NMLS# 202876