How do lenders calculate the allowable maximum financing concessions for interested parties on conventional versus government-backed purchase transactions?
Download run
Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
How do lenders calculate the allowable maximum financing concessions for interested parties on conventional versus government-backed purchase transactions?
4 real searches · 1 real-search pass
Fannie Mae interested party contributions maximum 3% 6% 9% 2% sales price LTV official Selling Guide B3-4.1-02Google ↗
OBSERVEDShort fact
FHA interested party contributions 6 percent sales price official HUD handbook seller concessionsGoogle ↗
OBSERVEDConsequence
VA seller concessions 4 percent sales price official VA Lenders Handbook concessions customary closing costsGoogle ↗
OBSERVEDConsequence
USDA guaranteed loan seller contributions 6 percent sales price official handbook interested party contributionsGoogle ↗
OBSERVEDOther / navigational
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
Fannie Mae interested party contributions maximum 3% 6% 9% 2% sales price LTV official Selling Guide B3-4.1-02 Google ↗
FHA interested party contributions 6 percent sales price official HUD handbook seller concessions Google ↗
VA seller concessions 4 percent sales price official VA Lenders Handbook concessions customary closing costs Google ↗
USDA guaranteed loan seller contributions 6 percent sales price official handbook interested party contributions Google ↗
- Interested Party Contributions (IPCs) · selling-guide.fanniemae.com
- Selling Guide · singlefamily.fanniemae.com
- Section 5501.6 · guide.freddiemac.com
- Freddie Mac Single-Family Seller/Servicer Guide PDF · guide.freddiemac.com
- FHA Single Family Housing Policy Handbook · hud.gov
- SFH Handbook 4000.1 | HUD.gov / U.S. Department of Housing and Urban Development (HUD) · hud.gov
- VA Funding Fee And Loan Closing Costs · benefits.va.gov
- VA Pamphlet 26-7, Revised · benefits.va.gov
- Frequently Asked Questions · rd.usda.gov
Queries
4 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Fannie Mae interested party contributions maximum 3% 6% 9% 2% sales price LTV official Selling Guide B3-4.1-02 OBSERVED | Google ↗ AI Mode ↗ | — | Short fact | — | — | 1x of 1 | |
FHA interested party contributions 6 percent sales price official HUD handbook seller concessions OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
VA seller concessions 4 percent sales price official VA Lenders Handbook concessions customary closing costs OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
USDA guaranteed loan seller contributions 6 percent sales price official handbook interested party contributions OBSERVED | Google ↗ AI Mode ↗ | — | Other / navigational | — | — | 1x of 1 |