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, to lower the cash you need at closing.

Ask How You Can Benefit

How can the lender help with my closing costs?

At AAA Capital Funding, our job goes past just getting you a loan. We want the home you picked to actually be within reach. One of the ways we do that most often is with lender credits. These are funds we provide directly to help cover your closing costs, which can include 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 part, or possibly all, of your required closing costs. The credit isn't added to your loan balance, and you never pay it back. It can come with a slightly higher interest rate, and we'll show you that trade-off side by side before you choose. How much we can put toward your costs depends on the loan program, purchase price, and current market conditions.

Does this work with my loan type?

Unlike many assistance programs, our lender credits are available across all of our primary mortgage offerings. This means no matter your situation, we have flexible options to help reduce your out-of-pocket expenses.

Conventional Loans

Starts at a 620 score, with 3% down.

FHA Loans

Great for first-time buyers with low down payment.

VA Loans

0% down payment for our Veterans.

Non-QM & Specialty

Bank-statement, DSCR and other specialty loans.

What does this actually save me?

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: Lender credits can cover costs the seller won't, so your offer doesn't depend on seller concessions.

Lender Credit: The lender covers part of your closing costs in exchange for a slightly higher rate, so those costs are not added to your loan balance.

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: Keep cash in the bank after closing for repairs and surprises.

Every Loan Type: Lender credits are available on FHA, VA, Conventional and specialty loans.

Do I qualify for a lender credit?

If you qualify for the underlying mortgage program (FHA, VA, Conventional, etc.), you may qualify for lender-paid closing costs. Lender credits don't carry their own credit score minimum. If you qualify for the loan, you can be considered for a credit. We consider the entire profile, focusing on:

  • Purchase price and final loan amount.
  • The specific mortgage program being used.
  • 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 FHA Loans)

Min. Down Payment

0%

(If VA Eligible)

Pre-Payment Penalty

No

(Across all programs)

What do I have to document?

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:

What if I get a W-2?

  • Two years of W-2s.
  • Recent pay stubs.

What if I am self-employed or 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 work with real-life situations. We just need a clear paper trail.

Short on cash for closing?

Homeownership should be attainable.

Lender credits cover closing costs without adding to your loan balance.

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

AAA Capital Funding, Inc. NMLS #374739. All loan applications are subject to credit and property approval. Program terms and conditions are subject to change without notice. Information provided is for illustrative purposes and does not constitute a guarantee of loan approval or specific interest rate.

Want to know what you qualify for?

One call, under ten minutes, no application and no credit pull. We'll run your real numbers and show you what you qualify for and what the payment comes to.

AAA Capital Funding, Inc. · NMLS #374739 · Jason J. Sarji, NMLS #374700