closing and then some. ameridream (or genesis, which is cheaper for the seller) is used in combination with fha loans (will your property's condition qualify?). generally, they allow up to 6% in concessions, plus 3% in downpayment assistance. buyers using this are walking in no money down, so they'll want 3% down payment assistance plus 3% or so for closing costs. Never fear, however, you can up the sales price to net the same for the seller - if you can get the appraisal.