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Seller Credits and TRID Closing disclosure- How to disclose. – When a seller credit is contracted for in a purchase contract, do you itemize the allowable fees for a seller to pay for on page 2 of your closing disclosure? Or do you call it a general credit. Also- do you list the seller fees out on the closing disclosure? For example- their closing fee and their closing protection letter.</p>
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REAL ESTATE PURCHASE CONTRACT – 4. PAYMENT. Buyer’s payments under Section 2 above will be made to: [ ] Seller [ ] an Escrow Agent. If an Escrow Agent, will act as Escrow Agent and will be responsible for disbursing payments on any underlying mortgage or deed of trust (the Aunderlying mortgage@) and to the Seller.
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If the seller seems reluctant to offer a credit, a buyer could ask for a different sort of break-such as halving the down payment or earnest money-leaving funds for the closing costs.
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Closing Disclosure Explainer – Check that your Seller Credit reflects what you agreed upon with the seller Show Hide This is the amount the seller has agreed to contribute to your closing costs. If the seller has agreed to pay for specific costs rather than contribute a general amount, those amounts may be listed as "Seller Paid" line items on page 2 instead.
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