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USDA Home Loan Closing Costs

In a purchase market, it is not uncommon for a seller to pay part or all of a buyer's closing costs. This is partially dictated by the loan product. For example, Conventional loans with 5% down only allow the seller to pay up 3% of the sales price towards closing costs. If the costs exceed that, it will be the responsiblility of the borrower to pay the difference. The USDA Home Loan allows the seller to pay up to 6% of the borrower's closing costs and prepaids.  This is a great feature, especially since the borrower does not have to put any money down on this loan type. Additionally, this practice is often necessary for borrowers in rural communities because coming up with a down payment and closing costs can be challenging. Without this loan program, individuals in rural areas would be excluded from the home buying process.This is another reason why USDA Loans are so popular today.

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USDA Home Mortgages

Primary Residential Mortgage, Inc.
10121 N Rodney Parham, Suites C & D
Little Rock, AR 72227
855-474-7169
501-225-5626
NMLS # 3094
Branch NMLS # 252910
Licensed by Arkansas Securities Department 11558
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Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice.

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