ConventionalExplore as little as 3-5% down payments, mortgage insurance, and flexible property choices with Fannie Mae and Freddie Mac.
Seller Concessions Calculator
Estimate the program ceiling, eligible-cost limit and usable seller credit. VA ordinary costs and concessions are shown separately.
Build a useful comparison
Start with the purchase price, appraised value, base loan amount and eligible closing costs. Select the program and occupancy, then enter the offered seller credit. For VA, enter defined concession items separately from ordinary costs.
This is a planning ceiling, not a guarantee of an allowable contract credit. Other contributions and program requirements may reduce what can be used.
Estimate seller contribution limits
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Buying or refinancing? We compare options across our network of 150+ wholesale lenders, explain the trade-offs, and build a plan around your goals. Start with a pre-approval video conversation so you know what to expect before moving forward.
Questions worth asking
Can seller credit cover my down payment?
A normal seller contribution does not replace your required down payment. Eligible credits generally cover permitted closing costs, prepaid items or approved financing costs.
Why does conventional financing use LTV rather than only my down payment?
The contribution tier is based on loan-to-value, occupancy and the lower of sales price or appraised value. A low appraisal or additional financing can change the tier.
Is every seller-paid VA cost limited to 4%?
No. Ordinary allowable closing costs are treated separately from VA-defined concessions. The 4% ceiling is based on reasonable value and applies to the defined concession category.
Can I keep unused seller credit?
Excess credit is not unrestricted cash back. Our team can check eligible costs and discuss permitted contract or financing changes before closing.
How do Jumbo and Non-QM limits work?
Limits vary by selected lender and program. Enter only a verified limit here, then let our team check the eligible costs, occupancy and other contributions.
Planning sources: Fannie Mae contribution limits, HUD FHA Handbook, VA loan handbook, and USDA origination FAQ. Reviewed October 4, 2026.
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Plan your next move
Bring your goals and a property address if you have one. Paul Cederholm, mortgage expert and real estate financing strategist, can help you compare the financing choices and plan your next step.
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*Information, scenarios, and calculations are for educational and illustrative purposes only—not a loan offer, a commitment to lend, a rate quote or an approval. Programs, costs and qualification requirements depend on the borrower, property, selected lender and current guidelines. Examples are not guaranteed results. Our team can review the details for your situation. These tools do not replace a Loan Estimate, an underwriting decision, or legal or tax advice. Check all figures before relying on them; Cederholm Mortgage Advisors does not warrant the accuracy or completeness of estimates and, to the extent permitted by law, is not responsible for losses arising from reliance on these tools. This notice does not waive rights that cannot legally be waived.