Quick Question: Can I put my closing costs on the loan?

I’m pretty new to this, and i was wondering if i put an offer on a property could i have the closing costs added to the loan amount?
I"m sorry i know this is probably an obvious to most; but, i’ve got NO clue …

You can have it written in the contract that seller pays certain/all closing costs/pre-paids or you can state a certain percentage of “seller concesions” say, 5% on 100k he is on the hook to help use that 5% for closing. Pretty sure that is how I had it explained to me by 3 separate mortage folks.

If I am wrong, my bad.

Yes you can, but you have to structure the loan differently.

What kind of a loan is it? Hard Money, Traditional Mortgage, ect?

Yes, seller pays closing cost or credit.

You guys are great, thank you all so much for the info - I was putting money aside for my down AND closing costs. Someone asked me why i was tying up money for closing costs when I can get the seller to pay them or just put it in and tye it up in the loan itself.

If you’re using a conventional lender they can usually contribute 3-6% depending on the program. Some investors ask the seller to bump up the sales price to roll in all costs.