Lenders will allow the seller to credit the buyer up to 5 percent of the purchase price for non-recurring closing costs. These are costs that are paid on a one-time basis such as escrow, title, and transfer fees. Remember that you will probably pay a little more for the home to compensate the seller for paying your closing costs. But it is better to overpay than to not buy a home at all. Ask the lender to pay your closing costs.
Lenders make a fee on each loan they make.
If you take out a loan at a higher than market interest rate, the lender will make extra up-front fees that can be used to pay your closing costs. This will lower your closing costs. But, keep in mind that there is a trade off between points and the mortgage interest rate. The lower the points, the higher the interest rate, and the higher the monthly payment. Finance your closing costs.