You ask u201chow to have the seller pay closing costu201d. We include this as a clause in the buyeru2019s purchase offer. u201cSeller agrees to pay up to u201cxu201d % or u201c$$u201d of the purchase price towards the buyers prepaid expenses and closing cost.u201d VA allows the seller to pay up to 4%, FHA and USDA allow seller to pay up to 6%, Conventional allow the seller to pay up to 3%. FHA still requires the buyer to have at least 3.5% of their own money in the deal. Iu2019m not sure what the other type loans might require from buyer input. Some lenders may impose additional requirements of their own. It is important that both parties understand that seller contributions toward the buyeru2019s expenses mean the seller will have a lower net at settlement. The price can be adjusted so as to meet the selleru2019s net requirements even with these contributions. Back in the 80u2019s appraisers argued about whether or not these seller contributions should be reflected as an adjustment to the price. Iu2019ve not seen our local appraisers making any adjustments for seller contributions in recent years.