Interested party contributions (IPCs) are contributions made by third parties with a vested interest in the transaction. These funds are used to cover costs that are typically the buyer's …

According to Fannie Mae: If a temporary or permanent interest rate buydown is being offered to the borrower, the cost of the fund for that buydown must be included in the IPC calculation, if …

The amount and the source of all interested party contributions must be documented in the Mortgage file and be clearly shown on the Settlement/Closing Disclosure Statement.

May 7, 2025 · Fannie Mae updates rules on Interested Party Contributions and Lender Incentives, increasing the lender incentive limit to $2,500 and clarifying exclusions from IPCs.

May 19, 2025 · Interested Party Contributions (IPCs) are funds given by people or entities that have an interest in the home sale. These funds help cover costs that usually fall on the buyer.

Aug 28, 2025 · Fannie Mae and Freddie Mac (the “GSEs”) have updated requirements for interested party contributions and lender incentives to provide greater specificity. These …

May 22, 2025 · Recently, Freddie Mac and Fannie Mae announced changes to, among other things, the interested party contributions and lender incentives sections of their respective …

May 7, 2025 · Revised the requirement that when a lender who is, or is afiliated with, an interested party, provides an incentive, it must be treated as a sales concession.

Note: A lender or employer is not considered an interested party to a sales transaction unless it is the property seller or is affiliated with the property seller or another interested party to the …

May 7, 2024 · Interested Party Contributions are funds a seller or another party connected to the sale provides to help you, the buyer, cover closing costs. IPCs cannot be applied to your down …