What closing costs can I legally ask the seller to pay to keep my out-of-pocket cash to an absolute minimum?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
What closing costs can I legally ask the seller to pay to keep my out-of-pocket cash to an absolute minimum?
4 real searches · 1 real-search pass
2026 conforming conventional seller concession limits Fannie Mae 3% 6% 9% principal residence down payment officialGoogle ↗
OBSERVEDConsequence
FHA interested party contributions 6% sales price official HUD seller concessions closing costsGoogle ↗
OBSERVEDConsequence
VA seller concessions 4% closing costs seller paid ordinary discount points official VAGoogle ↗
OBSERVEDConsequence
California purchase contract seller paid buyer closing costs escrow title fees customary 2026Google ↗
OBSERVEDConsequence
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (4)
Classes come from the query-classifier (a local Laya model). 4 of 4 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT4 real searches · gpt-6
2026 conforming conventional seller concession limits Fannie Mae 3% 6% 9% principal residence down payment official Google ↗
FHA interested party contributions 6% sales price official HUD seller concessions closing costs Google ↗
VA seller concessions 4% closing costs seller paid ordinary discount points official VA Google ↗
California purchase contract seller paid buyer closing costs escrow title fees customary 2026 Google ↗
- Interested Party Contributions (IPCs) · selling-guide.fanniemae.com
- FHA Single Family Housing Policy Handbook · hud.gov
- VA Funding Fee And Loan Closing Costs · benefits.va.gov
- Frequently Asked Questions · rd.usda.gov
- Title-Insurance · insurance.ca.gov
- Understanding Closing Costs · clta.org
Queries
4 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 conforming conventional seller concession limits Fannie Mae 3% 6% 9% principal residence down payment official OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
FHA interested party contributions 6% sales price official HUD seller concessions closing costs OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
VA seller concessions 4% closing costs seller paid ordinary discount points official VA OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
California purchase contract seller paid buyer closing costs escrow title fees customary 2026 OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 |