USDA LOANS-expectation of buyer or seller to pay points to lender

[Cristina Miccio]

My daughter and son in law plan to buy their first home with a USDA loan. They have already been pre-approved for USDA and loan amount.  I would to know who is expected to pay the points on the mortgage and closing costs- buyer or seller (under USDA)?

Also they have excellent credit and good jobs. Would it be more advantageous for them to get the mortgage loan through a mortgage company or through a bank that also does USDA LOANS or go through a mortgage broker?  Also, if they do go through a mortgage broker on a $200,000 loan how much more on average will they be paying for closing costs, points, etc.  I am advising them to go with our local bank but my daughter insists on going through a mortgage broker mainly because she has a young and inexperienced friend that works at one.  I say they have good credit and don't need a middle man. Thoughts on these varied subjects? Thanks!