In the purchase offer, we will include the down payment amount you will apply toward the purchase. This will give the seller further evidence of your qualifications to secure a mortgage.
If the property you select is at the top-end of your budget range, we may want to include a request for seller assistance to pay a portion of the closing costs traditionally paid by the buyer. Other seller assistance may include having the seller "carry back" a second mortgage to cover your down payment or seller financing.
With any of these seller assistance options, you could possibly pay a higher interest rate than if you had handled the financing through a traditional mortgage lender.