Atlantic City FHA Loan Rates, Closing Costs & Stats

ATLANTIC CITY-HAMMONTON, NJ

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    • FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

    FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

    While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

    For additional requirements as defined by the FHA, click here.

    Atlantic City's 88 lenders originated 679 FHA loans during 2023. The total origination value was $177,355,000, with an average FHA loan value of $261,200.

    Atlantic City FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Atlantic City averaged 6.37% for the week of 2025-02-14, compared to the national average (all FHA variants) of 6.515% for the same period.

    Atlantic City's average FHA mortgage closing costs are $8,003.

    The average rate for the prior week (2025-02-07) was 6.69% and one month ago for the week of 2025-01-10, the average rate was 6.55%.

    The average rate one year ago was 6.78%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.88%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Atlantic City FHA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Atlantic City level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Advisors Mortgage Group, L.L.C. 93 6.50% $10,265
    GREENTREE MORTGAGE COMPANY, L.P. 88 6.51% $9,899
    QUICKEN LOANS, LLC 45 6.24% $10,916
    NATION ONE MORTGAGE CORPORATION 41 6.66% $14,464
    CROSSCOUNTRY MORTGAGE, LLC 25 6.67% $12,726
    UNITED WHOLESALE MORTGAGE, LLC 20 6.48% $14,408
    Prosperity Home Mortgage, LLC 18 6.44% $10,170
    PENNYMAC LOAN SERVICES, LLC 17 5.90% $14,502
    Gateway First Bank 17 6.86% $9,682
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 12 6.66% $12,477
    FREEDOM MORTGAGE CORPORATION 11 6.90% $14,277
    LOANDEPOT.COM, LLC 11 6.41% $10,242
    NEWREZ LLC 10 6.70% $12,718
    BROKER SOLUTIONS, INC. 9 6.51% $13,192
    AMERICAN FINANCIAL NETWORK, INC. 9 6.99% $13,081
    AMERISAVE MORTGAGE CORPORATION 8 5.86% $12,832
    Citizens Bank 7 6.75% $9,174
    GUARANTEED RATE, INC. 7 6.19% $10,176
    NFM, INC. 7 6.25% $11,254
    Equity Prime Mortgage LLC 7 6.80% $11,775
    Meridian Bank Corporation 7 6.41% $11,814
    CARDINAL FINANCIAL 6 6.27% $14,534
    ALLIED MORTGAGE GROUP, INC. 6 6.56% $11,234
    Acre Mortgage and Financial Inc 6 6.71% $16,873
    UNION HOME MORTGAGE CORP. 6 6.85% $11,107
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 5 6.65% $11,487
    NJ LENDERS CORP. 5 6.03% $13,690
    CMG MORTGAGE, INC. 5 6.73% $14,594
    Wells Fargo Bank 4 7.13% $10,334
    Mr. Cooper ( Nationstar Mortgage ) 4 6.06% $16,868
    DHI MORTGAGE COMPANY, LTD. 4 6.22% $14,713
    DRAPER AND KRAMER MORTGAGE CORP. 3 6.54% $8,891
    Northpointe Bank 3 6.38% $11,956
    Paramount Residential Mortgage Group, Inc. 3 6.46% $11,397
    Flagstar Bank, FSB 3 6.25% $12,814
    PLANET HOME LENDING, LLC 3 5.67% $7,195
    PLAZA HOME MORTGAGE, INC. 3 6.33% $9,955
    ABSOLUTE HOME MORTGAGE CORPORATION 3 6.92% $21,294
    Republic Bank 3 5.33% $6,537
    GUILD MORTGAGE COMPANY 3 6.83% $11,387
    MLD MORTGAGE INC. 3 5.75% $8,957
    MUTUAL OF OMAHA MORTGAGE, INC. 3 6.54% $15,658
    AMERICAN FINANCING CORPORATION 3 6.83% $10,799
    1st Colonial Community Bank 2 6.19% $6,775
    AmeriHome Mortgage Company, LLC 2 5.94% $10,599
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 7.44% $18,406
    HOMEBRIDGE FINANCIAL SERVICES, INC. 2 7.31% $18,799
    Financial Freedom Mortgage, LLC 2 6.38% $17,286
    MOVEMENT MORTGAGE, LLC 2 6.38% $11,533
    CALIBER HOME LOANS, INC. 2 6.25% $10,076
    AMERICAN FINANCIAL RESOURCES, INC. 2 6.75% $13,093
    PRIMELENDING, A PLAINSCAPITAL COMPANY 2 6.75% $12,819
    RESIDENTIAL HOME FUNDING CORP. 2 6.56% $18,952
    Nations Lending Corporation 2 6.44% $11,625
    NATIONWIDE MORTGAGE BANKERS, INC. 2 6.69% $20,154
    Carrington Mortgage Services, LLC 2 5.88% $13,130
    LAKEVIEW LOAN SERVICING, LLC 2 6.94% $15,557
    VAN DYK MORTGAGE CORPORATION 2 6.31% $13,889
    ZILLOW HOME LOANS, LLC 1 6.00% $14,235
    BECKAM FUNDING CORP. 1 7.25% $10,649
    EMM LOANS LLC 1 6.25% $8,351
    Evolve Bank & Trust 1 7.13% $13,579
    Fifth Third Bank 1 6.25% $5,466
    First Citizens Community Bank 1 6.75% $8,198
    Bank of America 1 6.88% $8,829
    GENEVA FINANCIAL, LLC 1 7.63% $16,281
    1ST 2ND MORTGAGE COMPANY OF N.J., INC. 1 6.63% $24,235
    GSF Mortgage Corporation 1 7.00% $18,017
    HARTFORD FUNDING, LTD. 1 6.13% $11,505
    HOMESIDE FINANCIAL, LLC 1 6.63% $9,880
    MEMBER FIRST MORTGAGE, LLC 1 6.75% $9,624
    NATIONS DIRECT MORTGAGE, LLC 1 6.25% $11,792
    NBKC BANK 1 5.38% $9,962
    PINNACLE MORTGAGE, INC. 1 6.63% $15,151
    Plains Commerce Bank 1 6.75% $5,416
    Residential Mortgage Solutions, Inc. 1 7.25% $12,478
    ROYAL UNITED MORTGAGE LLC 1 7.25% $5,914
    SUCCESS MORTGAGE PARTNERS, INC. 1 6.63% $6,262
    SUMMIT FUNDING, INC. 1 6.49% $19,937
    SUN WEST MORTGAGE COMPANY, INC. 1 5.63% $14,140
    The Federal Savings Bank 1 5.75% $16,100
    TOTAL MORTGAGE SERVICES, LLC 1 6.13% $14,915
    TOWNE MORTGAGE COMPANY 1 5.75% $10,415
    UNITED NORTHERN MORTGAGE BANKERS LIMITED 1 6.50% $9,325
    U.S. Bank 1 6.75% $11,983
    US MORTGAGE CORPORATION 1 6.63% $14,320
    Wilmington Savings Fund Society, FSB 1 6.25% $13,646
    BOND STREET MORTGAGE, LLC 1 7.63% $20,179

    The top Atlantic City FHA lender as defined by loan originations is Advisors Mortgage Group, L.L.C., with 93 FHA loans originated. Their average total fees are $10,265, which is $366 higher than the next largest lender, GREENTREE MORTGAGE COMPANY, L.P..

    The lowest fee Atlantic City FHA lenders (with over 10 loans originated) are Gateway First Bank ($9,682), GREENTREE MORTGAGE COMPANY, L.P. ($9,899), Prosperity Home Mortgage, LLC ($10,170), LOANDEPOT.COM, LLC ($10,242) and Advisors Mortgage Group, L.L.C. ($10,265).

    The lowest rate Atlantic City FHA lenders (with over 10 loans originated) are PENNYMAC LOAN SERVICES, LLC (5.90%), QUICKEN LOANS, LLC (6.24%), LOANDEPOT.COM, LLC (6.41%), Prosperity Home Mortgage, LLC (6.44%) and UNITED WHOLESALE MORTGAGE, LLC (6.48%).

    Atlantic City FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    ATLANTIC CITY-HAMMONTON, NJ ATLANTIC 2022 $420,680 $538,650 $651,050 $809,150
    ATLANTIC CITY-HAMMONTON, NJ ATLANTIC 2023 $472,030 $604,400 $730,525 $907,900

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Atlantic City (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $289,800 (3.7%) $534,582 (12.2%) 0.85 4,588
    2018-02-01 $296,000 (2.3%) $543,944 (11.2%) 0.83 4,718
    2018-03-01 $290,000 (0.0%) $546,909 (9.8%) 0.81 4,819
    2018-04-01 $295,513 (1.9%) $550,479 (9.8%) 0.80 4,812
    2018-05-01 $299,450 (2.9%) $555,238 (9.7%) 0.80 4,852
    2018-06-01 $299,900 (3.5%) $560,524 (9.4%) 0.82 4,764
    2018-07-01 $299,900 (3.8%) $572,460 (11.8%) 0.83 4,674
    2018-08-01 $306,250 (5.7%) $578,525 (12.6%) 0.83 4,667
    2018-09-01 $309,900 (5.2%) $577,109 (10.7%) 0.84 4,677
    2018-10-01 $309,450 (5.1%) $578,065 (9.0%) 0.84 4,661
    2018-11-01 $307,250 (5.2%) $573,629 (8.2%) 0.83 4,637
    2018-12-01 $309,000 (6.6%) $571,949 (8.0%) 0.84 4,544
    2019-01-01 $312,450 (7.8%) $575,360 (7.6%) 0.84 4,335
    2019-02-01 $319,000 (7.8%) $585,644 (7.7%) 0.83 4,516
    2019-03-01 $321,529 (10.9%) $596,464 (9.1%) 0.82 4,673
    2019-04-01 $324,900 (9.9%) $606,450 (10.2%) 0.83 4,721
    2019-05-01 $322,450 (7.7%) $576,226 (3.8%) 0.81 4,766
    2019-06-01 $323,500 (7.9%) $571,875 (2.0%) 0.81 4,718
    2019-07-01 $319,900 (6.7%) $576,108 (0.6%) 0.81 4,638
    2019-08-01 $313,091 (2.2%) $574,999 (-0.6%) 0.79 4,593
    2019-09-01 $305,727 (-1.4%) $570,540 (-1.1%) 0.80 4,518
    2019-10-01 $305,318 (-1.3%) $569,687 (-1.5%) 0.80 4,452
    2019-11-01 $319,000 (3.8%) $574,439 (0.1%) 0.82 4,236
    2019-12-01 $310,271 (0.4%) $568,434 (-0.6%) 0.83 3,998
    2020-01-01 $316,184 (1.2%) $680,309 (18.2%) 0.83 3,800
    2020-02-01 $319,900 (0.3%) $690,297 (17.9%) 0.82 3,828
    2020-03-01 $321,500 (0.0%) $593,013 (-0.6%) 0.78 3,874
    2020-04-01 $319,900 (-1.5%) $589,920 (-2.7%) 0.78 3,785
    2020-05-01 $319,250 (-1.0%) $594,887 (3.2%) 0.76 3,656
    2020-06-01 $319,900 (-1.1%) $628,577 (9.9%) 0.73 3,311
    2020-07-01 $319,250 (-0.2%) $638,525 (10.8%) 0.72 2,911
    2020-08-01 $319,000 (1.9%) $622,620 (8.3%) 0.71 2,695
    2020-09-01 $327,000 (7.0%) $626,875 (9.9%) 0.72 2,621
    2020-10-01 $329,000 (7.8%) $631,642 (10.9%) 0.72 2,572
    2020-11-01 $324,900 (1.9%) $635,284 (10.6%) 0.73 2,487
    2020-12-01 $318,450 (2.6%) $623,561 (9.7%) 0.74 2,373
    2021-01-01 $310,850 (-1.7%) $620,972 (-8.7%) 0.72 2,050
    2021-02-01 $311,500 (-2.6%) $657,398 (-4.8%) 0.70 1,757
    2021-03-01 $322,450 (0.3%) $684,069 (15.4%) 0.68 1,696
    2021-04-01 $332,325 (3.9%) $734,136 (24.5%) 0.68 1,717
    2021-05-01 $360,000 (12.8%) $748,896 (25.9%) 0.72 1,731
    2021-06-01 $362,450 (13.3%) $743,815 (18.3%) 0.71 1,860
    2021-07-01 $359,450 (12.6%) $692,768 (8.5%) 0.73 2,025
    2021-08-01 $372,450 (16.8%) $704,241 (13.1%) 0.75 2,166
    2021-09-01 $379,725 (16.1%) $698,402 (11.4%) 0.77 2,197
    2021-10-01 $399,000 (21.3%) $729,286 (15.5%) 0.79 2,072
    2021-11-01 $389,950 (20.0%) $739,947 (16.5%) 0.78 1,913
    2021-12-01 $399,000 (25.3%) $747,873 (19.9%) 0.78 1,750
    2022-01-01 $399,000 (28.4%) $760,841 (22.5%) 0.80 1,480
    2022-02-01 $399,000 (28.1%) $796,817 (21.2%) 0.75 1,331
    2022-03-01 $409,950 (27.1%) $819,378 (19.8%) 0.70 1,325
    2022-04-01 $429,000 (29.1%) $881,237 (20.0%) 0.71 1,388
    2022-05-01 $464,500 (29.0%) $915,676 (22.3%) 0.75 1,582
    2022-06-01 $454,500 (25.4%) $908,215 (22.1%) 0.73 1,742
    2022-07-01 $449,900 (25.2%) $873,844 (26.1%) 0.74 1,982
    2022-08-01 $451,000 (21.1%) $904,382 (28.4%) 0.75 1,982
    2022-09-01 $464,917 (22.4%) $903,786 (29.4%) 0.76 1,932
    2022-10-01 $485,000 (21.6%) $925,660 (26.9%) 0.78 1,954
    2022-11-01 $475,000 (21.8%) $946,678 (27.9%) 0.80 1,944
    2022-12-01 $479,000 (20.1%) $946,728 (26.6%) 0.81 1,753
    2023-01-01 $484,900 (21.5%) $987,878 (29.8%) 0.84 1,625
    2023-02-01 $497,000 (24.6%) $1,023,138 (28.4%) 0.83 1,574
    2023-03-01 $495,500 (20.9%) $1,041,734 (27.1%) 0.83 1,544
    2023-04-01 $559,900 (30.5%) $1,083,979 (23.0%) 0.86 1,482
    2023-05-01 $597,000 (28.5%) $1,119,858 (22.3%) 0.86 1,444
    2023-06-01 $579,370 (27.5%) $1,166,607 (28.5%) 0.88 1,471
    2023-07-01 $595,000 (32.3%) $1,177,180 (34.7%) 0.90 1,483
    2023-08-01 $584,450 (29.6%) $1,179,710 (30.4%) 0.92 1,466
    2023-09-01 $599,900 (29.0%) $1,173,587 (29.9%) 0.93 1,526
    2023-10-01 $600,000 (23.7%) $1,127,503 (21.8%) 0.98 1,609
    2023-11-01 $596,074 (25.5%) $1,102,414 (16.5%) 0.96 1,667
    2023-12-01 $599,000 (25.1%) $1,107,741 (17.0%) 0.97 1,623
    2024-01-01 $574,950 (18.6%) $1,096,351 (11.0%) 0.97 1,522
    2024-02-01 $571,050 (14.9%) $1,105,063 (8.0%) 0.96 1,571
    2024-03-01 $580,000 (17.1%) $1,146,376 (10.0%) 0.90 1,644
    2024-04-01 $580,997 (3.8%) $1,182,456 (9.1%) 0.93 1,682
    2024-05-01 $599,000 (0.3%) $1,188,449 (6.1%) 0.90 1,704
    2024-06-01 $599,000 (3.4%) $1,197,615 (2.7%) 0.90 1,772
    2024-07-01 $592,500 (-0.4%) $1,218,875 (3.5%) 0.91 1,783
    2024-08-01 $579,500 (-0.9%) $1,218,013 (3.3%) 0.91 1,780
    2024-09-01 $579,998 (-3.3%) $1,188,145 (1.2%) 0.94 1,905
    2024-10-01 $550,000 (-8.3%) $1,151,869 (2.2%) 0.94 1,950
    2024-11-01 $559,900 (-6.1%) $1,158,601 (5.1%) 0.96 1,887
    2024-12-01 $554,950 (-7.4%) $1,130,166 (2.0%) 0.99 1,756
    2025-01-01 $549,475 (-4.4%) $1,076,592 (-1.8%) 0.00 1,647
    Atlantic City's median listing price for 2025-01-01 was $549,475, a difference of $-25,475 (-4.4%) versus the prior year and $-5,475 versus the prior month.

    Atlantic City's median listing price comes in at 0% of the national average.

    Atlantic City's average listing price for 2025-01-01 was $1,076,592, a difference of $-19,759 (-1.8%) versus the prior year and $-53,574 versus the prior month.

    For the 2025-01-01 period, Atlantic City had 1,647 MLS listings, a difference of -109 listings (-6%) versus the prior month and 125 listings (8%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Atlantic City (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 96 days 1,645 sqft
    2018-02-01 91 days 1,644 sqft
    2018-03-01 70 days 1,639 sqft
    2018-04-01 66 days 1,664 sqft
    2018-05-01 71 days 1,662 sqft
    2018-06-01 75 days 1,688 sqft
    2018-07-01 82 days 1,688 sqft
    2018-08-01 81 days 1,693 sqft
    2018-09-01 78 days 1,684 sqft
    2018-10-01 78 days 1,679 sqft
    2018-11-01 79 days 1,636 sqft
    2018-12-01 87 days 1,616 sqft
    2019-01-01 92 days 1,626 sqft
    2019-02-01 84 days 1,600 sqft
    2019-03-01 74 days 1,603 sqft
    2019-04-01 67 days 1,609 sqft
    2019-05-01 67 days 1,623 sqft
    2019-06-01 70 days 1,650 sqft
    2019-07-01 75 days 1,684 sqft
    2019-08-01 78 days 1,686 sqft
    2019-09-01 80 days 1,689 sqft
    2019-10-01 81 days 1,690 sqft
    2019-11-01 87 days 1,690 sqft
    2019-12-01 92 days 1,666 sqft
    2020-01-01 93 days 1,646 sqft
    2020-02-01 82 days 1,655 sqft
    2020-03-01 66 days 1,687 sqft
    2020-04-01 76 days 1,685 sqft
    2020-05-01 88 days 1,700 sqft
    2020-06-01 100 days 1,700 sqft
    2020-07-01 84 days 1,700 sqft
    2020-08-01 62 days 1,664 sqft
    2020-09-01 52 days 1,608 sqft
    2020-10-01 52 days 1,600 sqft
    2020-11-01 60 days 1,598 sqft
    2020-12-01 73 days 1,583 sqft
    2021-01-01 81 days 1,560 sqft
    2021-02-01 75 days 1,537 sqft
    2021-03-01 62 days 1,508 sqft
    2021-04-01 50 days 1,516 sqft
    2021-05-01 49 days 1,584 sqft
    2021-06-01 48 days 1,574 sqft
    2021-07-01 45 days 1,576 sqft
    2021-08-01 49 days 1,589 sqft
    2021-09-01 55 days 1,570 sqft
    2021-10-01 59 days 1,570 sqft
    2021-11-01 57 days 1,581 sqft
    2021-12-01 66 days 1,594 sqft
    2022-01-01 76 days 1,590 sqft
    2022-02-01 66 days 1,555 sqft
    2022-03-01 43 days 1,572 sqft
    2022-04-01 42 days 1,600 sqft
    2022-05-01 40 days 1,655 sqft
    2022-06-01 42 days 1,640 sqft
    2022-07-01 45 days 1,620 sqft
    2022-08-01 53 days 1,601 sqft
    2022-09-01 64 days 1,629 sqft
    2022-10-01 60 days 1,653 sqft
    2022-11-01 65 days 1,631 sqft
    2022-12-01 74 days 1,625 sqft
    2023-01-01 80 days 1,624 sqft
    2023-02-01 66 days 1,658 sqft
    2023-03-01 51 days 1,669 sqft
    2023-04-01 50 days 1,697 sqft
    2023-05-01 51 days 1,710 sqft
    2023-06-01 47 days 1,701 sqft
    2023-07-01 46 days 1,700 sqft
    2023-08-01 50 days 1,719 sqft
    2023-09-01 48 days 1,664 sqft
    2023-10-01 49 days 1,665 sqft
    2023-11-01 48 days 1,620 sqft
    2023-12-01 58 days 1,618 sqft
    2024-01-01 68 days 1,604 sqft
    2024-02-01 58 days 1,611 sqft
    2024-03-01 52 days 1,600 sqft
    2024-04-01 55 days 1,622 sqft
    2024-05-01 47 days 1,650 sqft
    2024-06-01 50 days 1,656 sqft
    2024-07-01 51 days 1,660 sqft
    2024-08-01 48 days 1,620 sqft
    2024-09-01 52 days 1,615 sqft
    2024-10-01 54 days 1,612 sqft
    2024-11-01 61 days 1,575 sqft
    2024-12-01 67 days 1,546 sqft
    2025-01-01 0 days 1,543 sqft
    Atlantic City's median listing age (time on market) for 2025-01-01 was 0 days. This is -100% shorter than the same period one year ago.

    Atlantic City's median square footage for active listings during the 2025-01-01 period was 1,543 sqft. One year prior, the average listing was 1,604 sqft.

    FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).