Closing Cost Assistance

Lender Credits From Us to Help You Purchase Your Dream Home

Ask us how you can benefit by working with us on your home purchase.

Closing Cost Assistance – Lender Credits That Help You Buy with Less Out of Pocket

At AAA Capital Funding, we’re more than just your mortgage lender—we’re your partner in homeownership. One of the ways we help our clients get into their dream home is by offering lender credits, also known as closing cost assistance, across all loan types. Whether you’re buying your first home or upgrading to your forever home, our goal is to make the process easier and more affordable.

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What Are Lender Credits?

Lender credits are funds provided by us to help cover part—or even all—of your closing costs. These credits do not increase your loan amount and do not need to be repaid. Each mortgage transaction is unique, and the amount of credit you may receive depends on several factors like purchase price, loan type, and credit score.

Our team will work with you one-on-one to determine how much assistance we can provide. Once we know more details—such as the property address, loan program, and price point—we’ll customize a plan to maximize your benefit.

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Available on All Loan Types

We offer closing cost assistance on a variety of mortgage programs, including:

• FHA Loans

• Conventional Loans

• VA Loans

• Non-QM / Non-Conventional Loans

This means no matter your situation, we have flexible options to help reduce your out-of-pocket costs and make homeownership more accessible.

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Benefits of Working with Us

• Purchase a home with just the minimum required down payment

• Use your savings for home upgrades, furniture, or moving expenses

• Avoid asking the seller for help with closing costs

• Qualify for a home even if other lenders told you that you needed more money

• Get lender-paid credits without increasing your loan balance

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Closing Cost Assistance – Eligibility & Requirements

Unlike many programs, there’s no minimum credit score required to receive closing cost credits from us. If you qualify for the mortgage, you may qualify for lender-paid closing costs—it’s that simple.

Here are some of the main factors we consider:

• Purchase price and loan amount

• Loan program

• Your credit score (middle score used)

• Current mortgage market conditions

We determine your credit score using the middle score from the three major credit bureaus—Equifax, Experian, and TransUnion. We discard the highest and lowest scores and use the one in the middle to evaluate eligibility.

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Eligible Property Types

Just like our other loan programs, our lender credit options apply to a wide range of property types:

• Single-family homes

• Townhomes and villas

• Duplex (2 units), triplex (3 units), quadplex (4 units)

• Condos (must meet specific program criteria)

If you’re buying a multi-unit home and plan to live in one of the units, the rental income from the other units can help you qualify by increasing your effective income.

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Income and Asset Verification

As part of the loan approval process, we’ll verify your income and assets to ensure you meet eligibility guidelines:

• W-2 employees: Two years of W-2s and a recent paystub

• Self-employed borrowers: Most recent personal and business tax returns (in some cases, just one year may be sufficient)

• Retired individuals: Proof of fixed income (Social Security, pension, etc.)

We’ll also review bank statements to verify your assets for closing. Gift funds are allowed, as long as they come from an acceptable, verifiable source. That means no cash deposits or undocumented funds, but gifts from family are just fine with proper documentation.

Even if your income has recently increased or your employment history includes gaps (e.g., you were a student), we can work with that—we specialize in real-life scenarios.

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Let Us Help You Close with Confidence

We believe homeownership should be attainable—and closing cost assistance is one of the most powerful tools we offer to make that happen. Whether you’re short on funds, hoping to preserve savings, or simply looking for an easier way to buy, AAA Capital Funding is here to help.