---
title: What is a seller credit?
description: A seller credit is seller's funds to a borrower, used toward closing costs in escrow at closing. There are guidelines that restrict the max seller credit.
---

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# What is a seller credit?

## Funds that come from the seller to the borrower, to be used toward the buyer's closing costs in escrow at closing.

A seller credit is funds that come from the seller to the borrower, to be used toward the buyer's closing costs in escrow at closing. Seller credits are negotiated by your Real Estate Agent and will be written into the terms of your purchase contract (or added later via an addendum).

**Federal lending guidelines limit the maximum credit the buyer is allowed to receive depending on transaction type, and we must ensure total credits do not exceed closing costs.** When considering adding a credit, check in with your lending team to ensure the proposed amount is allowed by federal guidelines.

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