09/10/2026
Most sellers have no idea this is even an option — here's what they could actually qualify for.
💰 Fannie Mae: $7,500 fixed entitlement. Freddie Mac: up to $7,500, discretionary. FHA (forward loans): $3,000, owner-occupants. VA Compromise Sale: $1,500, owner-occupants. HECM/Reverse Mortgage: up to $7,500, plus $5,000 for heirs' probate costs. Private/portfolio lenders: $1,500 to $10,000+, varies by servicer.
Every file is different, and exceptions apply — this isn't a guarantee, it's a starting point for the conversation with your seller.
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