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I am not happy at all with the Listing Agent . I am the Buyer . He is literally holding us hostage knowing we want this house . He came back saying the first would not cover the $ 2900 in fee's and fines owed to the HOA and then suddenly there's a 2nd that he said they did not know about . I found it in RealtyTrac so he didn't look or try very hard when he took on the Listing . It's for only 15K with Desert Schools Federal Credit Union . My understanding is that even if this isn't a HAFA , which it does qualify for , the standards have been somewhat set . He made us sign a Counter from the Seller that we would pay a minimum of $ 3 , 000 . At first I was told that he would be offering $ 1500 . Now he claims he never said that . . . . $ 3000 is 20% of 1500 . Doesn't it seem a little high to start with ?Matthew, I'm sorry but I did not ask or say anything about what the lenders ask. They haven't asked for anything. They are being offered something. What you said is obvious but again, not in any way an answer to my question. Thanks for your opinion but I would like an answer if anyone can comment on the question at hand I would appreciate it.