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First Time Buyers >The Seller May Pay

The costs of buying a home may be daunting. For example, you may have finally saved enough for a down payment on your first home, with a little left over to buy the furniture you will need. Then you hear about having to pay closing costs you weren't anticipating, and this may seem like a real setback.

One way to cover such a shortage is to make the sellers an offer that calls for them to credit you for some of the closing costs. As a rule, the sellers may pay a maximum of 3 percent of the sales price if the buyer is putting five percent down. If the buyer is making a down payment of 10 percent or more, the seller can contribute up to 6 percent of the sales price to cover the buyer's closing costs. Some items, such as prepaid taxes and the first month's mortgage payment, must be paid by the buyers. Sellers may also contribute to paying the appraisal, points, title insurance, settlement attorney fees, state or local transfer taxes and similar items.

Keep in mind that if the credit is included in the price of the house, the appraiser will have to justify the amount, based on sales prices of similar homes in the neighborhood.

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Q	What area was designed to look like a 1940s southeastern town with traditional architecture?
A	Disney's "Celebration" in Orlando, FL, will eventually have 8,000 houses and many commercial tourist attractions.
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Elayne Jassey, REALTORŽ, real estate agent and broker for Stamford, North Stamford, and Greenwich Connecticut home listings, property and land for sale - NUMBER1EXPERT(tm)

Elayne Jassey
Prudential Connecticut Realty
1200 High Ridge Road
Stamford, CT. 06905
Toll Free: 800-362-7625
Office: 203-329-0136
Fax: 203-329-7880
Email: ElayneJassey@NUMBER1EXPERT.com
Elayne Jassey knows that numbers do count and being #1 counts the most! She has been the #1 sales executive w/Prudential CT Realtys Stamford office for the past 22 consecutive years; she has been #1 in Connecticut for 19 out of the last 22 years, and in 2007 she was #1 in Stamford sales per the CMLS for the 6th consecutive year. She has been named by The Wall Street Journal to their Top 200 in Real Estate, and Realtor Magazine named her to their list of Top 50 Solo Performers in the U.S. In this age of real estate specialization and teams, Elayne is most proud of her continuing work as a solo performer, one of those who still provides her service, individually, to each and every customer. Elayne looks forward to working with you personally, and helping you and your family market your home or find the perfect home or investment property. According to Elayne Meeting YOUR real estate needs is truly #1 to me!

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