No! the POC such as appraisal fee is buyers/borrower's out of pocket fee. It cannot be credited towards the buyer's down payment.
When you are writing an offer, you may ask the seller to credit you for some of your closing cost up to 6%, ( not down payment). It works the same, just with different name, to help you with cash at closing.
Best of Luck
Real Estate and Mortgage Broker
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