FB, as Andrew has stated, it depends. When you get approved for your mortgage, you should be made aware at that time as to how much they will allow the seller to give you in concessions. Typically it ranges from 3%-6% of the selling price although I have seen the acceptable amount go as high as 9%. Once the percentage has been determined it is then up to the buyer to agree to pay. This could be worked out during the offer period. I you have not already been approved I would suggest you do so before you start your search. Then interview Real Estate Agents to find the best one that will help you reach your goal. Good Luck!