# Can a Seller Pay My Closing Costs in Texas?

By Agustin Canales (@agustincanales) · Published 2026-11-07

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Short answer: yes. In Texas, sellers often pay part or all of a buyer's closing costs. Each loan program caps how much.

Seller concession limits by loan type

Conventional: up to 3% of the price with less than 10% down, 6% with 10–25% down, and 9% with 25% or more down.

FHA: up to 6% of the price.

VA: reasonable closing costs, plus up to 4% in concessions.

How to ask for it

Your Realtor writes the seller contribution into the offer. In a slower market, sellers are often more open to it than to a big price cut.

Price cut or rate buydown?

A seller can also use that money to buy down your interest rate. Sometimes that lowers your monthly payment more than a small price reduction would, for a similar cost to the seller. It depends on the numbers, so ask your loan officer to run both side by side for the home.

Realtors: before your seller drops the price, send me the address and I'll run the price-cut vs. buydown comparison for your buyer. Call or text (832) 531-4192. English o español.

Originally published at agustincanales.com/blog/seller-paid-closing-costs-texas/

Agustin Canales, Senior Mortgage Loan Officer, NMLS #1484335. First Community Credit Union NMLS #217251. Equal Housing Opportunity. All loans subject to credit approval; program availability, terms and limits apply. This article is educational and not an offer or commitment to lend.