No, sellers cannot contribute directly to your down payment. However, they can help by paying part of your closing costs through what’s called seller contributions. By covering expenses like title insurance, taxes, or loan fees, seller contributions free up more of your own cash, which you can then apply toward your down payment. Each loan program (Conventional, FHA, VA, USDA) has specific limits on how much a seller may contribute, and our team at North Star Mortgage Network can guide you through those rules to maximize your savings.