Hi.

I'm buying a house for the first time. I'm not quite sure I understand a few things, and my lender has been sort of vague as to the answers I need. I have anxiety about unknown variables when doing things, and I asked my lender (PNC, Southwestern PA) what the seller credit that I've been given can be used for.

They did tell me that it can't be used for the down-payment. That's fine. But just telling me "closing costs" isn't helpful. Especially when I had specifically asked what types of things in the closing cost in can be used for. Some places say everything including homeowners insurance and property taxes. Other places say it can't be used for that and only for title things or buying points.

So, I'm confused. I'm not sure if I'm communicating this properly to my lender, either, what my question is. But can someone help me? Someone who's been through this?

Can seller credit be used for everything in closing costs or only certain things?

Bonus points for those who have dealt with PNC Mortgage and can tell me what they do specifically.