Seller concession limits: How much can you ask for?

Some offers on this page are from advertisers who pay us, which may affect which products we write about, but not our recommendations. See our Advertiser Disclosure . Seller concession limits: How much can you ask for? Sarah Brodsky · Contributing writer Tue, August 18, 2026 at 11:18 AM EDT 5 min read Seller concessions are at near-record highs in today's buyer's market, so there's a good chance you can negotiate some credits or other help from your lender if you're buying a home. Just be aware that all major loan programs limit concessions to a small share of the purchase price. It's important to know the limits because if you ask for a higher amount, your lender will reduce your concessions at closing, and you'll get less than you expected. Becoming familiar with the seller concession limits for your loan program before talking with the seller puts you in a stronger negotiating position. Loan type Max seller concession Key condition Conventional (< 10% down) 3% of purchase price Primary or second home Conventional (10–24.99% down) 6% of purchase price Primary or second home Conventional (25%+ down) 9% of purchase price Primary or second home Conventional (investment) 2% of purchase price Investment properties only FHA 6% of purchase price Based on lesser of sale price or appraised value VA 4% + all closing costs 4% cap on concessions; no cap on standard closing costs USDA 6% of purchase price Cannot exceed actual closing costs; limit doesn't apply to payments for repairs…