MortgageDadOf3 Scenario Tool
Seller Concession Calculator
Estimate seller-credit room using the applicable program percentage and actual eligible closing costs.
Concession planning
Enter the applicable maximum percentage for the exact program. For Fannie Mae, current IPC limits vary by occupancy and LTV; investment property is 2%, while principal residence/second home tiers are 3%, 6% or 9% based on LTV/CLTV.
Planning tool, not an approval: Results are educational estimates. Actual rates, APR, MI/MIP, taxes, insurance, HOA, closing costs, qualifying income, DTI, concessions and program eligibility depend on the loan file and current lender/agency rules.