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when making an offer with closing cost the realtor told me i am still financing the money they aren't really giving me anything i thought it would decrease the amount of the loan 153 -20(downpayment)borrow 133 she said they would add the 9000 closing cost to the loan. can somebody explain please this is confusing me
If you make an offer to have the seller pay your closing costs(and they accept) - then you don't have to pay them out of pocket or finance them. The seller is responsible for those costs. However, if they accept your offer of $153k and pay $9k in closing costs then perhaps they would've accepted an offer of $144k if they didn't have to pay the closing costs . . . I think that's what the realtor is trying to explain.