I'm a few days from closing and when the title company sent out the settlement sheet with the security deposits and prorated rents as a credit to me from the seller my bank went crazy.First they said I need an addendum stating that the seller is crediting me.Then they said I need an addendum nulling that addendum because the seller can't give me that as a credit.

I have 720-760 credit and almost 25k in assets.

I do full background, credit checks, job verification, etc.

I have credit already established and want to make it less complicated.

The Down Payment can be higher, but the DSCR program can go up to 80% sometimes 85% depending on several factors like; Property Type, Location, Credit, Cash Flow, and Lender. 

Feel free to list the property details (as-is value, PDTI, credit score approximation, city) and I'll give you an idea if the parameters look realistic relative to our standards!

I have a large income, great credit score, a down payment, just not enough for 20% down OR not enough down to meet the conforming limit of $766,000.  

I would like to credit back a portion of my buyer's down payment on a house, say a few days after closing.

As Chris mentioned it works the same, however, the tax credits and incentives may be different for a primary home vs a rental.

They will also be able to work with you to help you get better credit or optimize finance to afford more.