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How Buyers Can Ask Sellers to Cover Closing Costs

Purchasing a new home is an exciting yet complex process, with various financial aspects to consider. One critical component of a real estate transaction is closing costs, which can amount to a significant sum. As a buyer, you might wonder if it's possible to ask the seller to cover some or all of these costs. In this blog post, we'll explore the process of requesting seller-paid closing costs and provide tips for navigating this aspect of the negotiation.

Understanding Closing Costs

Closing costs are expenses incurred during a real estate transaction, separate from the property's purchase price. They typically include fees for title searches, loan origination, appraisal, escrow, and more. On average, closing costs amount to 2-5% of the home's purchase price, which can add up quickly.

Requesting Seller-Paid Closing Costs

It's not uncommon for buyers to ask sellers to contribute towards closing costs. Here's how to approach this request:

  1. Consult with a real estate agent: Working with an experienced agent is crucial, as they can help you determine the best strategy for asking the seller to cover closing costs based on the local market and property conditions.

  2. Research closing costs: Before making a request, familiarize yourself with the average closing costs for your area. This information will help you determine a reasonable amount to ask the seller to cover.

  3. Include the request in your offer: When submitting your offer, include a clause that explicitly requests the seller to pay a specific amount or percentage of the closing costs. For example, you could write: "Seller to contribute $5,000 towards buyer's closing costs."

  4. Consider offering a higher purchase price: To make the deal more appealing to the seller, you might consider offering a slightly higher purchase price to offset the additional expense they'll incur by covering your closing costs.

  5. Be flexible and prepared to negotiate: The seller may counter your offer or refuse to cover closing costs. Be prepared to negotiate and find a middle ground that works for both parties.

Factors that Influence Seller's Willingness to Cover Closing Costs

Several factors can affect a seller's willingness to cover closing costs, including:

  • Market conditions: In a buyer's market, sellers may be more willing to cover closing costs to secure a sale. Conversely, in a seller's market, they might be less inclined to agree to such requests.

  • Property condition: If the property requires significant repairs or updates, sellers might be more open to covering closing costs as a concession.

  • Seller motivation: Highly motivated sellers may be more amenable to covering closing costs, especially if they're eager to sell quickly.


Requesting seller-paid closing costs can be a strategic move for buyers to reduce their out-of-pocket expenses when purchasing a property. By understanding the process, working with an experienced real estate agent, and being prepared to negotiate, you can increase your chances of successfully securing the seller's contribution towards your closing costs. Keep in mind that every real estate transaction is unique, and it's essential to approach each situation with flexibility and open communication.


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