Random things like doc prep, prepaid escrow, school taxes, inspections, flood certs, title company, attorney fees, etc etc. it adds up quick unless you can snag some seller help.

If you paid $20k for it, your closing costs (assuming cash) are probably somewhere in the $1-2k range, depending on what is necessary for where you are - title costs, inspection, prepaid taxes, recording fees.

I offered a 10% discount if they prepaid May, June or Julys rent. 

I am not sure if they have found a new place yet.They paid first, last and security, so rent for April is prepaid last year. 

I'm curious about the terms you came up with for the seller -- was the $8,700 you brought to closing all for fees and pre-paid items and the seller carried 100%, or was there a percent down you negotiated?  

I prepaid a year's worth of insurance which the company failed to account for and couldn't give me an explanation for months why I was being double charged for insurance purposes.

Hey all,Does anyone have any experience wrapping closing costs and prepaids into their loan?

There are ways to subsidize it, such as getting a seller credit, or taking a slightly higher interest rate in exchange for a lender credit to pay that and/or other costs and prepaids. 

After accounting for APR costs, non-apr costs, points, UFMIP, and prepaids our total cash to close is $19,828!

prepaid next month's rent - $500 creditUnit D - rent $500.