Can closing costs be rolled into the loan or covered by the seller?

Closing costs can sometimes be rolled into a loan through lender credits, though that typically raises the interest rate to offset the cost, and a seller can also agree to cover some costs as a negotiated concession in the purchase contract. Both options depend on what the lender allows and what the seller agrees to during negotiation. Brian Beatty helps buyers structure these requests as part of the offer rather than asking after the fact.