Start with the real decision, not the search phrase.
Seller concessions can preserve buyer cash, but the permitted amount and uses depend on the loan and transaction. Work backward from actual eligible costs, then coordinate the financing limit with the offer strategy.
01
Have the lender calculate the applicable limit for the actual program and down payment before finalizing the offer.
02
Estimate title, lender, prepaid and escrow items so the requested credit has real costs to absorb.
03
Do not assume an unused credit becomes buyer cash back; closing and program rules control.