| FNMAFHLMC | FHA | VA | USDA | |
| 90.01% or greater75.01% to 90.00%75.00% or less(Must Be Owner Occupied / Based on LTV/CLTV) | 3%6%9% | 6%Maximum all loans | 4%Closing cost & pointsPlus up to 4% sales concessionTotal: 8% | No Seller Contribution Limit*Closing cost can also be financed up to 100% of appraised value. |
| Non-Owner Occupied | 2% Maximum all LTV’s | N/A | N/A | N/A |
| FNMAHomepath | Follow standard maximum’s with the exception of LTV’s over 90% allow up to 6% concessions | N/A | N/A | N/A |
*Some investors have an internal policy limiting seller contribution to 6%
