Most buyers hire a REALTOR to represent them. The REALTOR will pull comparable properties that have recently sold in the area to determine a fair market value range. Negotiations are determined from this range and the condition of the property. If the buyer does not have the money to pay all the closing costs, they can ask for assistance from the seller. If it is an FHA loan the buyer must contribute 3.5% of their own money. If you have any other questions, just contact me. - Wed Nov 4 2009, 12:34