A normal question from a potential buyer. One that most realtors can answer. If you are financing through FHA, you are allowed to ask the seller to pay part of the closing costs. If you are using VA financing, the seller has to pay certain costs. And, as the question posed: which costs are potentially negotiable ....., I suppose you could "potentially" ask the seller to pay all of them. They potentially could refuse, couldn't they. Every sale is different. To be sure, under most circumstances, both buyer and seller pay what we know in the business as "normal" closing costs. Most buyers and sellers pay these, willingly. But, the answer to your question " are they negotiable" yes.