# Can a Seller Pay My Closing Costs in Texas? | Agustin Canales

> Yes, within limits. Here are the seller concession limits for conventional, FHA and VA loans in Texas, and how to ask for them in your offer.

## Quick summary
- Yes, Texas sellers can pay a buyer's closing costs, within loan-program limits.
- Conventional: up to 3% of price with under 10% down, 6% with 10–25% down, 9% with 25%+. FHA: up to 6%. VA: reasonable closing costs plus up to 4% in concessions.
- The seller credit is written into the offer; it can also buy down the rate, which sometimes lowers the payment more than a small price cut.
- By Agustin Canales, Senior Mortgage Loan Officer, NMLS #1484335. Call or text (832) 531-4192.

Page: https://agustincanales.com/blog/seller-paid-closing-costs-texas/

Agustin Canales · NMLS #1484335 · First Community Credit Union NMLS #217251 · Equal Housing Opportunity