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How To Get Cash Back At Closing For Repairs

Hi, I was in real estate years ago and I always used to get cash back at closing for "repairs, carpet, etc." Its seems like the lenders today dont allow this to happen anymore. Does anyone have a formula, strategy, or way to still get money back at closing for whatever reason? Now I already know about the up to 3% for closing, but I used to do that too.

We signed a mutual acceptance form stating the seller would give "$10,000 credit in lieu of roof repairs." Our agent told us this is great and that we would have the money to do the repairs ourselves. Well, now we are being told that the money can only go towards our $5,000 in closing cost and we miss out of the other $5,000.

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Cash back at closing is normally from prorated rents, prorated taxes, or even from the earnest money you put down. If prorated rents from the seller are $1,000, and your closing costs were only $500, then you get $500 at closing.

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Cash Back at Closing Q&A. If the borrower defaults on the loan, the value of the collateral (the home in this case), would be insufficient to cover the debt. Cash back deals place the borrower in a negative equity situation. If the person experiences a financial setback, he or she has no equity safety net; that is,

Repairs made by the seller, credits for repairs and closing cost credits are not considered cash back. How do you get money back at closing these days? Hi, I was in real estate years ago and I always used to get cash back at closing for "repairs, carpet, etc."