after talking to few lenders i was told that i should be able to buy a home in the range of $450K.im putting $100K as down payment. about two months ago I found a home that was listed for $429K and my agent advised me that we must make a high offer if we want to get this house. so we made an offer for $450K and they accepted it. two months later Im still with no approval based on my down payment. however yesterday I was informed by my broker that he has a lender that would get me approved but I must put another $36K down payment.the lenders are not accepting this year income because I got a big rise early this year and they are going off my 1012 and 2013 income which was good but due to my divorce in dec of last year I started paying alimony which made my ratio not meet the requirements. my question is: I can do a total of $120K for down payment, is it ok to ask the seller to lower their price by $16000 so I can budget for the payment since i was paying them $21000 over asking price nd later added $5000 to the price for them to give me an extension June 05 2014 - Lynnwood00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.