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.


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.


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.


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


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.


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.


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.


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.

  • Possible to purchase a home with just the minimum down payment

  • Keep your money to make repairs, buy furniture, etc.

  • Obtaining closing cost credit from us does not increase your loan amount

  • You do not have to ask for closing cost help from the seller

  • Purchase a home that other banks have told you that you need more money.

  Closing Cost Assistance Quick Facts

Minimum Score 580
Maximum Debt Ratio 57% (if Government)
Minimum Down Payment 0% (if VA)
Pre-Payment Penalty No

Contact Us

Local: 954-390-7994

Toll Free: 1-888-601-8344

Text: WhatsApp

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Learn Tips About Buying a Home.

Join Our Upcoming Homebuyer Workshops — Learn the Process, Buy with Confidence
Want to feel confident about buying a home? Our upcoming homebuyer workshops cover everything you need to know — from getting pre-approved to closing day. We walk you through each step of the process so you know what to expect and how to prepare.

An informed buyer is a powerful buyer — and that knowledge can help you secure better rates, better programs, and a smoother experience overall.

What our clients say about their experience.

Don’t Take Our Word for It. Read What Our Customers Have to Say about AAA Capital Funding.

4.9
Based on 121 reviews
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Lyn Lagora
19:20 01 Mar 25
What can I say!!!We had a very good experienced with Mr.Jason and whole team.They made it possible! to get us our house.They worked really hard and they expedited the process to get our house that we call it home now.Jason and the rest of the AAA CAPITAL FUNDING team is the greatest example to make things happened.Getting our home is almost impossible but they lifted up our burden and they assured us, that we can get our house and we did it!!!We are very grateful to Jason and the AAA CAPITAL FUNDING to made it possible.With all their efforts and hard work we are enjoying our house now.Godless to all of them!!!and the next time we are planning to buy another house we are definitely consider them again.AAA CAPITAL FUNDING IS THE BEST COMPANY YOU CAN TRUST!!!
Guerline Beldor
13:20 28 Jan 25
Jason is simply the best. I was able to find a house and close within few months. My overall process was stress-free and super fast. He is easy to talk to great communicator and i am so happy to have met him.
Joel Jean Baptiste
20:11 19 Dec 24
I really don't have no words to explain my happiness, but let me add that thanks to AAA Capital Funding and thanks also to Jason who's doing wonderful job.
Marie Jean Baptiste
14:43 19 Dec 24
Junia Emilcar
16:38 25 Nov 24
Thank you so much Jason for your patience and all Your help it is truly appreciated .
Dylan Myers
19:58 07 Nov 24
What an amazing experience! Jason knowledge and expertise made the home buying process so simple. From finding me the best rates around to taking all my calls about every “what if”, Jason was amazing. If I am ever buying another property AAA Capital will definitely be my first call!
Geldine Dorsainvil
21:29 03 Sep 24
I highly recommend AAA Capital Funding to anyone looking to purchase a home. If you're searching for a mortgage lender, you’ve come to the right place! Jason Sarji is the person you need to talk to. He made the process seamless and stress-free for me as a first-time homebuyer. Jason kept me informed every step of the way and was always ready to answer any questions I had—no question was too small. Within a month, he helped my husband and me get approved for a home loan and close on our very first home. His expertise and efficiency were outstanding.Thank you so much, Jason, for making our dream home a reality!
Ana Alvarez
17:47 02 Jul 24
A huge THANK YOU to Jason Sarji, from AAA Capital Funding Inc. in getting a mortgage for my new home. He was fast and on top of absolutely everything. He was super professional, understanding, and reachable at all times. His prompt support to answer every question I had throughout my journey to get the loan made things much easier for me as a new home buyer, which I greatly appreciated!Great experience, never gave up.I recommend Jason to everyone looking for their dream home!
Vilma V Ochoa
16:34 09 May 24
My Family thanks this wonderful work team. They have made our dreams come true. Excellent professional service, unique and personalized treatment. I recommend them 100%.
Kyle Schott
00:01 11 Apr 24
Jason assisted me with my FIRST time purchasing a new home. I could not be happier with the service I was provided, he was there with me every step of the way. I appreciate him and will recommend him to anyone I know that may need a mortgage lender.
Mariam Mirabal
13:34 09 Apr 24
We can’t thank your entire team enough for all of your hard work on getting our loan taken care of and early for that matter. Thanks Jason, for always being available to talk to me and reassure me. This is a culmination of everything we’ve worked for in our lives that is leading us to this moment. It’s the start of my “grown-up” life :)! And you all made it possible. Again, thank you so much from the bottom of our hearts and for making our biggest dream yet, come true!”
Denise Wallen
19:43 21 Jan 24
Jason and his wonderful team got us approved for our first home. We originally started with another broker but we felt it was best to rethink the home buying process based off of approval amounts. But our amazing realtor said not to give up and introduce us to Jason and his team. And the results were amazing from his involvement from the first contact and even after has been above and beyond. Thank you Jason and AAA Capital Funding.
Jessie Rae
19:19 03 Nov 23
Jason Sarji at AAA capital funding was so amazing to work with. Within a month he got my wife and I approved for a home loan and closed on our very first home. He was very knowledgeable and quick to answer any random questions and was always available to talk. We highly recommend using AAA capital funding to anyone who’s looking to purchase a home. Thank you guys so much ❤️❤️❤️
Ann
17:14 25 Oct 23
First time homebuyer here and I’m grateful that my experience was painless and successful. Jason Sarji kept me in the loop every step of the way and didn’t mind answering the million questions I had. The process was super quick. I found my home the first week of May and closed on June 1st. Less than a month. The home buying process can be scary and nerve wrecking and I can attest working with Jason made it a breeze… Best wishes you all and your new homes!!!
Jeanne Belizaire
01:16 26 Sep 23
Thank for being very cooperative. because of AAA capital findings I am a homeowner. It was my very first experience and was skeptical at first 🤨 but then at the end I realized it was a great experience. I learned a lot in such a short time, Jason is very easy to work with, he’s customer service is a top tier. Looking forward to work with you again in the future. Thank you so much 😊
Nene Thomas
03:42 10 Aug 23
Jasonnnnnnnn! Is The BEST . He communicated with my spouse and I the entire time. Very professional, great communication, worked very fast I closed in about 2 months or less the BEST lender ever! You will NOT be disappointed. Believe every GREAT comment , he is truly AMAZING!
Lustaina Hilaire
01:52 04 Aug 23
My Word can Never be Enough to thank You Our journey toward buying our home wasn’t easy, but we got through it with great success because we had you by our side. Thank you for your hard work, patience, and diligence along the wayJason Thank you so much for all of your help! Thank you for going the extra mile for us on every step of our New HomeThank you for all of the hard work you’ve done( I’m in tears now just thinking how long we have come) We are endlessly grateful to have you as our agent and couldn’t be happier with the way everything worked out.We appreciated your patience and expertise. Your insight was extremely valuable to us and I don’t think we could have done this without you. we are so thankful and Grateful for your assistance, patience and expertise.Everytime we feel giving up He will always said Today Not the Day to Give upWe greatly appreciate your dedication It’s been fantastic Working withYou Are The best Jason I thank you from the Bottom of my HeartIf you have friends or family who need help buying a home in the future I highly recommend cause This guy is a Genius
yiolta joseph
20:51 08 Jun 23
It's a miracle, I'm still in shock of how quickly, efficiently, and professional aaa capital funding team were, Jason went above and beyond to help us closed our dream home, Jason is terrific in what he is doing, if you looking for a lender please do yourself a favor, call aaa capital funding,Jason has a solution for you, even when other lender said they can't, no matter what ,Jason will do anything to get you aprove,with no doubt.
Robert McDonald
15:43 09 May 23
WOW!! Amazingly I was able to close on a new home in 3 weeks with Jason as my broker and still can't believe how fast it was done. Throughout the process the team work was excellent from start to finish. Loving my new home and will definitely recommend my friends and family. Thanks much!
Nid
16:38 25 Apr 23
I thank God for Jason and his team. Jason was very professional, respectful, and easy to communicate with. He collaborated with our realtor. He explained the home-buying process to us and was very honest regarding what to expect from the market. He treated my husband and me like family. We closed in March!!! We are so grateful and glad we used AAA Capital Funding, Inc. for our mortgage needs, thank you, Jason, for your expertise and guidance during the whole process.
C M
13:22 09 Oct 22
I was completely new to the home buying process. I tried preapprovals from known-name banks and was met with high rates and/or low loan amounts. I did some research and was advised to go with a local lender. With that, I did more research and landed on AAA Capital. I am very glad I was able to work with AAA Capital as Jason was fantastic and was able to quote my desired loan amount at 5.9%. In comparison to the previous quotes I received, this was acceptable.My overall experience of the home buying process was straightforward and easy. Going into this knowing nothing, I did not know what to expect, but Jason and my realtor guided me and explained things throughout the process. Jason was always responsive and really easy to communicate with, so I was always learning and aware of what is happening in real-time and what to expect next. I was preapproved in early August and found a house I liked in late August. My offer was accepted, and from there Jason was on point with getting things done. I was able to close at the end of September and can now say I am a homeowner! I have read/heard about negative experiences and how stressful buying a home can be, so I am genuinely grateful for how smooth my home buying experience with AAA Capital was. Thank you again Jason and team.

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Prefer to visit our office to sit down with a local agent? It’s easy. Just call our office directly or use the form below in order to make an appointment online. Local: 954-390-7994 | Toll Free: 1-888-601-8344