Down Payment
How much can the seller contribute on FHA?
Short answer
Up to 6% of the sales price toward the buyer's closing costs and prepaids. More than that is excess and reduces the loan amount or sales price.
Plain-English explanation
Compare with conventional, where the cap is 3% at higher LTVs and 6% at 75–90% LTV. FHA's 6% cap at high LTV is a real advantage for cash-tight buyers.
What can change the answer?
Gift source and donor eligibility, seller credit limits, down payment assistance program rules, and source-of-funds documentation can change the answer.
Want the real answer for your file?
FHA guidelines are the rule. Your credit, income, payment, property, and county limit are what decide the actual answer.
More FHA questions on Down Payment
Educational only. FHA guidelines, lender overlays, rates, fees, and underwriting requirements can change. Final eligibility depends on full underwriting review.