What closing costs can I legally ask the seller to pay when buying my first home in a buyer friendly market?
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 when buying my first home in a buyer friendly market?
4 real searches · 1 real-search pass
2026 seller concessions limits conventional Fannie Mae interested party contributions LTV occupancy closing costs prepaid itemsGoogle ↗
OBSERVEDConsequence
FHA seller concessions 6 percent interested parties contributions official HUDGoogle ↗
OBSERVEDConsequence
VA seller concessions 4 percent seller paid closing costs official VAGoogle ↗
OBSERVEDConsequence
Rhode Island real estate closing costs seller buyer transfer tax customary seller paid closing costs lawGoogle ↗
OBSERVEDReason
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). 3 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 seller concessions limits conventional Fannie Mae interested party contributions LTV occupancy closing costs prepaid items Google ↗
FHA seller concessions 6 percent interested parties contributions official HUD Google ↗
VA seller concessions 4 percent seller paid closing costs official VA Google ↗
Rhode Island real estate closing costs seller buyer transfer tax customary seller paid closing costs law Google ↗
- Interested Party Contributions (IPCs) · guide-selling.fanniemae.com
- HUD 4155.1 · hud.gov
- VA Funding Fee And Loan Closing Costs · benefits.va.gov
- Selling Guide_4.22.2026 · singlefamily.fanniemae.com
- Real Estate Conveyance Tax · tax.ri.gov
- webserver.rilegislature.gov · webserver.rilegislature.gov
- Changes to RIAR Purchase and Sales Agreements · rirealtors.org
- Compensation Questions: Net Sale and Closing Costs · rirealtors.org
Queries
4 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 seller concessions limits conventional Fannie Mae interested party contributions LTV occupancy closing costs prepaid items OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
FHA seller concessions 6 percent interested parties contributions official HUD OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
VA seller concessions 4 percent seller paid closing costs official VA OBSERVED | Google ↗ AI Mode ↗ | — | Consequence | — | — | 1x of 1 | |
Rhode Island real estate closing costs seller buyer transfer tax customary seller paid closing costs law OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 |