They do give some every day discounts and if you buy quite a bit they start giving you gift cards.

Some, however, do allow gift funds and seller concessions, which could help reduce your cash to close needed closer to what you’re looking for. 

If you are the head of your household and are struggling to make ends meet, let alone buy Christmas gifts for the kids, it feels all the more desperate during this season.

sounds romantic, navigating such different systems would give me heartburn.

@Mike Smith I was born with one very special gift, and that gift is that I can become average or above average at anything I try.

Current set up:$313764 purchase price/ 5% down conv $8000 builder credits$9000 commission towards down pymt $5000 earnest money$4000 gift$6000 additional cash Paying $8942 points for 5.75% Paying $7064 up front pmi$7744 estimated closing costs $2790 prepaids Lender says need another $10K to closeDebts $640 (lender says add an additional $174 on top of $640 because 2024 taxes without homestead exemption on newly converted rental.

Obtaining that information is like a gift, not something I care to be forced upon you.

The usual way around this is for people to get funds as gifts from family and friends, but the lender will want a gift letter from each saying it is really a gift and not a loan that is expected to be repaid.Also as @Wayne Brooks said, you're going to be hard pressed to find any hard money lender who will make a loan on an owner-occupied property since all the consumer-protection laws went into effect after the last bust.

My parents have agreed to use a Gift of Equity to transfer ownership into my name for payoff.

The goal is to have $30k and we probably have about $15k now and saving $2,000 - $3,500 per month depending on the month (we took a hit from buying Christmas gifts Lol).