Yup. I agree with stannius.
While it would be very much ideal for you to be able to get a $110,000 loan to take care of the closing costs, it just isn't possible. Here, you have to help yourself and have a downpayment all set up before
you go into home buying. That's where budgeting, saving, and scrimping comes in.
However, a piece of info you may be interested in is that you can actually decrease the closing costs you have to pay. Most usually, this can be done by negotiating with the seller of the property you want to buy. A good strategy is to offer something that the seller wants more
than the downpayment. (i.e. offer to increase the actual selling price of the home in lieu of charging a downpayment)
Also, don't be wary of approaching a real estate agent for help. Assisting you in home buying is their job after all!
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