Commercial loan seller credit cap?

[Kujtim Beganaj]

About to purchase a 5-unit off market. I believe it will appraise for higher than the purchase price we are agreeing to. If value comes in higher, I’d like to increase the sale price to the appraised value and increase the seller credit. Which in turn will lower my closing costs. The seller just wants a certain net and get out of it bc they are moving across the country. They would be fine with it (cousin in laws).

My question is, is there a cap on seller credit. I am seeing various things online?

Thanks in advance!

[Kujtim Beganaj]

@Will Lusk after selecting my lender and going under agreement, I found my answer.

My lender is a local credit union. Not sure if all credit unions allow it. I used a commercial loan and there is no cap on seller credit on commercial loans apparently. So we ended up increasing the sale price to the appraised value ($11k higher) and turned that amount into seller credit on my end, which helped reduce my closing costs.