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It never really comes from the seller!Closing costs are paid:1. By the buyer2. By the buyer through a higher sales price and seller concessions3. by the buyer through a higher rate and the lender picks up the costsSellers have costs associated with selling that they take care off from the proceeds or cash they need to bring to closing.
Closing/settlement costs vary depending on the area, type of financing, etc. and there are cost that are to be paid by the Seller and the Buyer. It is very common for the Buyer to roll part (or in some cases all) of the closing costs into the sale price and have Seller pay them. There are even some mortgage loans where the lender will reduce the closing costs by increasing the interest rate and another type of loan whereby the Buyer may obtain a grant/loan to pay a portion of the closing costs. It is not unheard of that by contractual agreement the Buyer may actually pay some of the costs that are customarily considered to be Seller costs. As long as it is legal, disclosed in writing and the lender (if any) permit it payment of closing and Settlement costs may be negotiated between Seller and Buyer.
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For Sale: $309,900
For Sale: $449,900
For Sale: $575,000