I don't think my question is clear. Under the terms of a HAFA short sale, the Third Party lenders to the transaction are not allowing some seller paid closing costs. I wish the lender - Wells Fargo in this case - had a list of costs they will allow or not allow to make it simple. But apparently it is a secret list they do not hand out (perhaps because it changes?). Sometimes in the course of doing a short sale someone will come across information like that that is helpful to the community at large. Standard Short sales are not an issue - the secret list only applies to HAFA Shorts:) Help.