Happy holiday season Krassy,
Closing costs are negotiable. There is no right and wrong or what is usual. Make the deal your own. If you want the property, sweeten the deal for the Seller. There are a few types of loans that require one party to pay for specific items. Your Realtor will know what they are and guide you on this topic.
If it is fair for the Buyer to pay their closing costs and the Seller to pay their closing costs, then just do it. Make the deal your own. (2nd time I said that). Don't do what everybody else is doing. Everybody else is whining that they don't get the property that they make an offer on. Why does a Buyer feel that they have a right to demand that the Seller pay for the Buyer to purchase the property? Those days are gone. They may return, but are gone with the low inventory available.
Closing costs are typically less than a thousand dollars on a$100,000 property (not including agent commissions). If you want the property, stop whining and offer to pay the Seller closing costs. Buyers need to get over the head games. If you say "I cannot afford the seller closing costs", you may want to consider renting. If less than $1000 is going to make or break the deal for you, you need to be renting a while longer.
My Buyers typically have been offering to pay the Seller closing costs and they typically get their offers accepted. My Buyers do not ask for the Seller to pay apprisal or home warranty. They are in their dream home while the Buyer that tries to squeeze the Seller is still complaining that their offers are not accepted.
My Buyers are enjoying their back yard bar-b-q and pool area while the other possible Buyers are proud that they would not pay the Sellers costs, while they are paying another month's rent. Do you want to be a proud Buyer or a home owner?
When your offer is not accepted, think that "I could have offered to pay the Seller $500 in closing costs and be moving into my home instead of paying another months rent".
Purchasing a property is a dance between the Buyer and Seller. Sellers like to be sweet talked and courted. The Seller has the property and the Buyer wants it. Buyer's and their agents need to learn to schmooze the Seller with a sweet offer. Buyer's agents that know how to court a Seller are doing very well in this market. Find a Buyer's Agent that knows how to dance and you will soon be in your own home.
I wish you a wonderful holiday season and a great new year.
Good luck house hunting.
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Steven Goldman, CRS
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Realty One Group
10750 W. Charleston #180
Las Vegas, NV 89135