Buying Tip: Closing Costs: When a buyer is getting financing their closing costs are normally between 3.5-5% of the purchase price. Most lenders will allow for the seller to contribute up to 3% of the buyer's closing costs. Some lenders will allow for them to pay for all of the closing costs. It depends on the lender and what type of loan the buyer is getting. For a cash sale closing costs are normally less than $1000 for purchases under $120,000. A cash buyer can ask the seller to pay for any portion of the closing costs if they choose to. It is then negotiated as to how much will be paid.