There are great ways you can benefit from loopholes. Did you ask your agent advice you about the possibility of your paying the seller's commission and crediting the costs against your total price thus reducing the price of the house and reducing your tax base?
If escrow is already open under the bilateral agreed purchase contract then an addendum initiated by escrow stating the buyerâ€™s agent is giving $2,725 (or .5% of sale price) towards closing costs is OK. If escrow is asked to create an addendum it is in the names of the buyer and the seller only, as you had stated an addendum is to be.
In this type of revelation, the lender is made aware, through escrow, of where the monies are coming from for the closing costs. Additionally, this gives disclosure to the lender so as not to suggest any fraud.