Yes. Three levers can cover closing costs: seller credits, lender credits, and state or local assistance programs. The strongest is usually a seller credit. On every major loan type the seller can contribute toward your closing costs and prepaids, up to a program cap: conventional loans on a primary or second home allow 3, 6, or 9 percent of the price depending on your down payment tier (2 percent on investment properties), FHA and USDA allow 6 percent, and VA allows 4 percent in true concessions on top of normal closing costs. The credit can never exceed your actual costs and prepaids. Because your down payment stays separate, a seller credit can wipe out most or all of the closing costs on many deals. Lender credits trade rate for cash. You accept a somewhat higher interest rate and the lender credits money toward your costs. How much credit is available shifts with market conditions, so this lever is stronger at some times than others. Assistance programs are the third path. State and local housing agencies run down payment and closing-cost programs with income and location rules. They vary widely and change often, so check what your state currently offers. For a rough sense of scale, closing costs in many states run a couple percent of the purchase price, and high-cost states run more. If saving for costs on top of rent feels impossible, the free Roadmap conversation (about 20 minutes) will show which of these levers actually fits your numbers.