Closing Cost Assistance: Lender Credits to Help You Buy
AAA Capital Funding offers lender-paid credits across all loan programs—from FHA and VA to Conventional and Non-QM—making homeownership more accessible by minimizing your up-front, out-of-pocket costs.
I. Understanding Lender Credits: Your Purchase Partner
At AAA Capital Funding, we act as your dedicated partner, going beyond traditional lending to ensure your dream home is attainable. One of the most powerful tools we use is offering lender credits, which are funds provided directly by us to help cover your closing costs, which can include items like the appraisal fee, title insurance, and loan origination fees.
How Lender Credits Reduce Your Costs: A lender credit is a commitment from AAA Capital Funding to pay a portion, or potentially the entirety, of your required closing costs. Crucially, these funds are absorbed by us, meaning they neither increase your final loan balance nor require any repayment from you. The exact amount of assistance depends on the unique details of your transaction, including the loan program, purchase price, and current market conditions. Our team will work one-on-one with you to customize a plan that maximizes your benefit.
II. Available on All Major Loan Types
Conventional Loans
Perfect for excellent credit borrowers.
FHA Loans
Great for first-time buyers with low down payment.
VA Loans
0% down payment for our Veterans.
Non-QM & Specialty
Flexible options like down payment assistance.
III. Key Benefits of Our Lender Credit Program
Preserve Savings: Purchase your home with only the minimum required down payment, allowing you to use your savings for home upgrades, furniture, or moving expenses.
Stronger Offer: Avoid asking the seller for closing cost contributions, which makes your offer more attractive in a competitive market.
Debt-Free Credit: Obtain lender-paid credits without increasing your loan balance, keeping your mortgage payment lower than financing closing costs.
Greater Accessibility: Qualify for a home even if other lenders told you that you needed more cash to close. We specialize in real-life financial scenarios.
Emergency Fund Protection: Ensure you maintain a critical cash reserve after closing to cover immediate maintenance or unforeseen costs, securing your financial health post-purchase.
Competitive Advantage: Our lender credits are available on all loan types, giving you a distinct financial edge over buyers using standard, less flexible mortgage products.
IV. Eligibility & Quick Facts
If you qualify for the underlying mortgage program (FHA, VA, Conventional, etc.), you may qualify for lender-paid closing costs. Unlike some programs, there is no minimum credit score required to receive credits from us. We consider the entire profile, focusing on:
- Purchase price and final loan amount.
- The specific mortgage program being utilized.
- Your middle credit score (used from the three major bureaus).
- Current mortgage market conditions and interest rate choices.
Min. Credit Score
580
(For 3.5% down)
Max Debt Ratio
57%
(For Gov. Loans)
Min. Down Payment
0%
(If VA Eligible)
Pre-Payment Penalty
No
(Across all programs)
V. Income and Asset Verification
To ensure we meet all regulatory guidelines, we will verify your income and assets. We specialize in working with diverse financial profiles, including self-employed individuals and those with employment gaps. Here is what we typically require:
W-2 & Employed Borrowers
- Two years of W-2s.
- Recent pay stubs.
Self-Employed & Retired
- Most recent personal and business tax returns (sometimes just one year is enough).
- Proof of fixed income (Social Security, pension) for retired individuals.
We'll also review bank statements to verify assets. Gift funds are always allowed, provided they come from an acceptable, verifiable source with proper documentation. We can work with real-life scenarios—we just need clear paper trails!
Let Us Help You Close with Confidence
Homeownership should be attainable.
Our closing cost assistance is a powerful, debt-free tool we use to make that happen.
Whether you need to preserve savings or just want an easier way to close,
AAA Capital Funding is here to help.
Start Your Pre-Approval Now
Specialized mortgage services since 1997. NMLS #374739.
Call us today: 888-601-8344 or 954-390-7994