Knoxville FHA Loans

KNOXVILLE, TN

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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.

    Knoxville's 155 lenders originated 4,155 FHA loans during 2021. The total origination value was $890,665,000, with an average FHA loan value of $214,360.

    Knoxville FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Knoxville averaged 5.36% for the week of 2022-05-13, compared to the national average (all FHA variants) of 5.361% for the same period.

    The average rate for the prior week (2022-05-06) was 5.49% and one month ago for the week of 2022-04-08, the average rate was 4.95%.

    The average rate one year ago was 3.06%.

    For refis of the same type during the week of 2022-05-13, the average rate was 5.06%.

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

    Knoxville FHA Loan Lenders by Rates & Fees

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

    Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees
    MORTGAGE INVESTORS GROUP, INC. 667 2.98% $7,285
    QUICKEN LOANS, LLC 352 2.73% $6,485
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 247 3.30% $8,697
    MOVEMENT MORTGAGE, LLC 180 3.17% $6,922
    DHI MORTGAGE COMPANY, LTD. 157 2.72% $7,054
    PENNYMAC LOAN SERVICES, LLC 130 3.05% $4,814
    FIRST COMMUNITY MORTGAGE, INC. 113 2.91% $8,592
    LAKEVIEW LOAN SERVICING, LLC 104 3.01% $4,199
    FREEDOM MORTGAGE CORPORATION 100 2.95% $4,378
    LOANDEPOT.COM, LLC 75 3.35% $7,349
    Gateway First Bank 71 3.47% $5,433
    HOME POINT FINANCIAL CORPORATION 60 2.95% $7,564
    UNITED WHOLESALE MORTGAGE, LLC 59 2.79% $7,891
    STOCKTON MORTGAGE CORPORATION 57 3.16% $7,801
    CMG MORTGAGE, INC. 57 3.03% $7,531
    Sierra Pacific Mortgage Company, Inc. 54 2.93% $8,354
    Mr. Cooper ( Nationstar Mortgage ) 51 3.36% $3,960
    AmeriHome Mortgage Company, LLC 44 3.03% $4,133
    CALIBER HOME LOANS, INC. 43 2.91% $6,890
    UNION HOME MORTGAGE CORP. 38 3.25% $7,875
    ISERVE RESIDENTIAL LENDING, LLC 35 3.16% $11,019
    HOMEBRIDGE FINANCIAL SERVICES, INC. 33 2.71% $6,129
    NEWREZ LLC 32 2.98% $6,600
    A Mortgage Boutique, LLC 31 2.61% $8,895
    AMERISAVE MORTGAGE CORPORATION 30 3.20% $7,620
    VILLAGE CAPITAL & INVESTMENT LLC 29 3.00% $2,203
    Citizens Bank 26 2.73% $8,162
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 24 3.34% $6,652
    T2 FINANCIAL LLC 23 3.22% $7,595
    AMERICAN FINANCIAL NETWORK, INC. 23 3.23% $7,614
    TJC Mortgage, Inc. 22 2.94% $8,498
    Carrington Mortgage Services, LLC 22 3.61% $7,416
    First Guaranty Mortgage Corporation 22 3.01% $5,293
    Hometown Lenders, Inc. 21 3.21% $8,127
    Bank of England 20 3.20% $7,490
    BROKER SOLUTIONS, INC. 20 3.06% $7,571
    AMERICAN FINANCIAL RESOURCES, INC. 19 3.25% $8,265
    GUILD MORTGAGE COMPANY 18 3.22% $7,809
    RELIANCE FIRST CAPITAL, LLC 15 3.08% $8,218
    Nations Lending Corporation 15 3.30% $9,732
    AMCAP MORTGAGE, LTD. 15 3.24% $7,478
    BAY EQUITY LLC 13 3.17% $7,686
    FirstBank 12 3.07% $7,412
    Regions Bank 12 2.84% $7,008
    VANDERBILT MORTGAGE AND FINANCE, INC. 11 2.84% $9,299
    Countybank 11 2.88% $7,291
    Paramount Residential Mortgage Group, Inc. 11 3.29% $6,584
    NATIONS DIRECT MORTGAGE, LLC 10 2.94% $8,152
    PRIMARY RESIDENTIAL MORTGAGE, INC. 10 3.64% $8,671
    Equity Prime Mortgage LLC 10 3.38% $7,459
    AMERICAN MORTGAGE SERVICE COMPANY 9 2.71% $8,116
    PLANET HOME LENDING, LLC 9 3.14% $5,982
    Wolfe Financial, Inc 9 3.15% $8,263
    GUARANTEED RATE, INC. 9 3.00% $6,939
    TOP FLITE FINANCIAL, INC. 9 3.14% $11,313
    SOUTHWEST FUNDING, LP 9 3.71% $8,011
    SUCCESS MORTGAGE PARTNERS, INC. 8 3.03% $6,822
    Renasant Bank 8 3.14% $6,366
    InterContinental Capital Group, Inc 8 2.83% $7,043
    CROSSCOUNTRY MORTGAGE, LLC 8 3.41% $7,817
    Pinnacle Bank 7 2.86% $7,704
    Truist Bank 7 2.89% $7,324
    TOWNE MORTGAGE COMPANY 7 3.64% $6,051
    DAS Acquisition Company, LLC 7 3.20% $10,109
    Princeton Mortgage Corporation 7 3.16% $8,461
    Fifth Third Bank 6 3.06% $7,035
    THRIVE MORTGAGE, LLC 6 3.35% $12,107
    MYCUMORTGAGE, LLC 6 2.77% $7,774
    Mortgage Research Center, LLC 6 2.96% $4,820
    NATIONS RELIABLE LENDING, LLC 5 3.63% $8,003
    SOVEREIGN LENDING GROUP INCORPORATED 5 2.65% $7,740
    EVERETT FINANCIAL, INC. 5 3.60% $5,922
    SmartBank 5 2.63% $7,994
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 5 3.15% $7,274
    United Community Bank 4 3.19% $6,262
    Waterstone Mortgage Corporation 4 3.63% $6,263
    MID AMERICA MORTGAGE, INC. 4 2.69% $3,307
    OCEANSIDE MORTGAGE COMPANY 4 3.00% $2,197
    AMERICAN FINANCING CORPORATION 4 3.19% $8,421
    HOMESTAR FINANCIAL CORPORATION 3 3.21% $7,000
    CELEBRITY HOME LOANS, LLC 3 3.50% $9,047
    NATIONWIDE MORTGAGE BANKERS, INC. 3 3.63% $10,815
    Goldwater Bank, N.A. 3 3.13% $9,523
    VAN DYK MORTGAGE CORPORATION 3 3.46% $4,732
    CapStar Bank 3 2.67% $6,916
    MICHIGAN MUTUAL, INC. 3 3.13% $7,369
    SUN WEST MORTGAGE COMPANY, INC. 3 2.50% $8,820
    Bank of America 3 2.63% $6,421
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 3 3.21% $8,404
    ZILLOW HOME LOANS, LLC 2 2.88% $5,231
    ACOPIA, LLC 2 3.50% $8,052
    Alcova Mortgage LLC 2 3.31% $7,613
    AmRes Corporation 2 3.31% $8,002
    CONTOUR MORTGAGE CORPORATION 2 3.25% $9,414
    EMBRACE HOME LOANS, INC. 2 3.00% $6,437
    GENEVA FINANCIAL, LLC 2 3.06% $6,645
    HOMESIDE FINANCIAL, LLC 2 3.19% $7,600
    KELLER MORTGAGE, LLC 2 2.81% $5,607
    LENDUS, LLC 2 2.94% $7,618
    MIDLAND MORTGAGE CORPORATION 2 3.25% $4,753
    MORTGAGE SOLUTIONS OF COLORADO, LLC 2 3.50% $10,859
    Northpointe Bank 2 3.19% $7,203
    POLARIS HOME FUNDING CORP. 2 3.07% $12,421
    RESIDENTIAL HOME FUNDING CORP. 2 3.00% $9,099
    RUOFF MORTGAGE COMPANY, INC. 2 3.31% $4,932
    Simmons Bank 2 2.56% $8,813
    SOUTHWEST STAGE FUNDING, LLC 2 3.50% $2,330
    The First National Bank of Middle Tennessee 2 2.56% $6,884
    U.S. Bank 2 2.87% $7,674
    1ST SIGNATURE LENDING, LLC 2 2.94% $8,271
    PLAZA HOME MORTGAGE, INC. 1 2.63% $3,295
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 3.00% $5,648
    MORTGAGE FINANCIAL SERVICES, LLC 1 2.63% $7,141
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 3.63% $8,417
    MORIA DEVELOPMENT, INC. 1 3.50% $10,530
    MEMBER FIRST MORTGAGE, LLC 1 2.75% $6,132
    Magnolia Bank 1 2.75% $11,028
    Low VA Rates, LLC 1 2.75% $3,794
    Legends Bank 1 2.75% $6,960
    Austin Capital Bank SSB 1 3.88% $10,845
    ARC HOME LLC 1 3.25% $6,735
    SECURITYNATIONAL MORTGAGE COMPANY 1 3.00% $9,591
    Servion, Inc. 1 3.00% $8,473
    JLB CORPORATION 1 2.50% $5,726
    Ameris Bank 1 2.38% $7,325
    Hometown Equity Mortgage, LLC 1 4.25% $16,130
    SOUTHPOINT FINANCIAL SERVICES, INC. 1 2.25% $9,185
    HOMESPIRE MORTGAGE CORPORATION 1 3.63% $5,550
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 3.50% $9,634
    GUARANTEED RATE AFFINITY, LLC 1 3.00% $8,366
    FLAT BRANCH MORTGAGE, INC. 1 3.50% $11,200
    First Horizon Bank 1 2.88% $6,705
    SUMMIT FUNDING, INC. 1 3.75% $6,613
    First Home Bank 1 3.75% $6,272
    EVANSVILLE TEACHERS 1 2.63% $4,629
    Wells Fargo Bank 1 3.00% $4,136
    THE MORTGAGE FIRM, INC. 1 3.25% $6,216
    The Union Bank Company 1 2.50% $7,935
    CORNERSTONE HOME LENDING, INC. 1 3.25% $8,997
    COMMUNITY MORTGAGE CORPORATION 1 3.00% $6,923
    Commerce Home Mortgage, Inc. 1 3.38% $9,046
    Towne Bank 1 2.88% $9,702
    CHURCHILL MORTGAGE CORPORATION 1 4.50% $5,448
    CHERRY CREEK MORTGAGE, LLC 1 2.75% $11,647
    CALCON MUTUAL MORTGAGE LLC 1 3.50% $8,965
    BLUELEAF LENDING, LLC 1 2.75% $6,985
    Barrington Bank & Trust Company, N.A. 1 5.20% $5,534
    Paramount Bank 1 2.50% $8,442
    PACIFIC RESIDENTIAL MORTGAGE, LLC 1 3.75% $9,537
    OCMBC, INC. 1 2.88% $3,761
    Peoples Bank 1 3.75% $8,222
    PHH Mortgage Corporation 1 4.00% $5,757
    NORWICH COMMERCIAL GROUP, INC. 1 2.75% $5,029
    Plains Commerce Bank 1 2.38% $7,925
    MUTUAL OF OMAHA MORTGAGE, INC. 1 3.25% $5,201

    The top Knoxville FHA lender as defined by loan originations is MORTGAGE INVESTORS GROUP, INC., with 667 FHA loans originated. Their average total fees are $7,285, which is $800 higher than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Knoxville FHA lenders (with over 10 loans originated) are VILLAGE CAPITAL & INVESTMENT LLC ($2,203), Mr. Cooper ( Nationstar Mortgage ) ($3,960), AmeriHome Mortgage Company, LLC ($4,133), LAKEVIEW LOAN SERVICING, LLC ($4,199) and FREEDOM MORTGAGE CORPORATION ($4,378).

    The lowest rate Knoxville FHA lenders (with over 10 loans originated) are A Mortgage Boutique, LLC (2.61%), HOMEBRIDGE FINANCIAL SERVICES, INC. (2.71%), DHI MORTGAGE COMPANY, LTD. (2.72%), Citizens Bank (2.73%) and QUICKEN LOANS, LLC (2.73%).

    Knoxville FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    KNOXVILLE, TN ANDERSON 2022 $420,680 $538,650 $651,050 $809,150
    KNOXVILLE, TN BLOUNT 2022 $420,680 $538,650 $651,050 $809,150
    KNOXVILLE, TN CAMPBELL 2022 $420,680 $538,650 $651,050 $809,150
    KNOXVILLE, TN KNOX 2022 $420,680 $538,650 $651,050 $809,150
    KNOXVILLE, TN LOUDON 2022 $420,680 $538,650 $651,050 $809,150
    KNOXVILLE, TN MORGAN 2022 $420,680 $538,650 $651,050 $809,150
    KNOXVILLE, TN ROANE 2022 $420,680 $538,650 $651,050 $809,150
    KNOXVILLE, TN UNION 2022 $420,680 $538,650 $651,050 $809,150

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Knoxville (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 $249,450 (13.7%) $346,465 (10.7%) 0.92 3,562
    2018-02-01 $249,900 (11.1%) $351,078 (9.9%) 0.90 3,390
    2018-03-01 $259,900 (13.0%) $372,105 (13.9%) 0.90 3,346
    2018-04-01 $269,950 (10.2%) $379,716 (11.0%) 0.91 3,404
    2018-05-01 $276,450 (10.7%) $387,131 (12.3%) 0.92 3,479
    2018-06-01 $274,900 (10.2%) $386,318 (12.2%) 0.92 3,593
    2018-07-01 $269,950 (8.0%) $384,506 (11.4%) 0.90 3,808
    2018-08-01 $269,250 (7.7%) $379,928 (2.3%) 0.90 3,886
    2018-09-01 $264,900 (6.0%) $377,445 (0.8%) 0.89 3,914
    2018-10-01 $259,950 (4.0%) $375,973 (7.4%) 0.87 3,924
    2018-11-01 $259,900 (4.0%) $382,885 (10.3%) 0.87 3,731
    2018-12-01 $260,000 (4.0%) $380,392 (10.0%) 0.89 3,492
    2019-01-01 $262,950 (5.4%) $378,233 (9.2%) 0.91 3,170
    2019-02-01 $268,750 (7.5%) $382,366 (8.9%) 0.90 3,091
    2019-03-01 $278,300 (7.1%) $385,908 (3.7%) 0.91 3,056
    2019-04-01 $289,700 (7.3%) $388,688 (2.4%) 0.91 3,038
    2019-05-01 $291,400 (5.4%) $390,987 (1.0%) 0.90 3,077
    2019-06-01 $295,000 (7.3%) $394,959 (2.2%) 0.91 3,164
    2019-07-01 $299,900 (11.1%) $403,866 (5.0%) 0.93 3,147
    2019-08-01 $296,692 (10.2%) $404,773 (6.5%) 0.93 3,200
    2019-09-01 $287,588 (8.6%) $393,847 (4.4%) 0.91 3,234
    2019-10-01 $284,950 (9.6%) $388,616 (3.4%) 0.91 3,258
    2019-11-01 $284,900 (9.6%) $403,713 (5.4%) 0.92 3,136
    2019-12-01 $284,900 (9.6%) $404,791 (6.4%) 0.95 2,852
    2020-01-01 $282,495 (7.4%) $416,208 (10.0%) 0.94 2,569
    2020-02-01 $290,000 (7.9%) $425,731 (11.3%) 0.94 2,375
    2020-03-01 $303,400 (9.0%) $431,903 (11.9%) 0.95 2,252
    2020-04-01 $302,775 (4.5%) $417,735 (7.5%) 0.94 2,367
    2020-05-01 $314,900 (8.1%) $436,214 (11.6%) 0.95 2,222
    2020-06-01 $324,900 (10.1%) $448,457 (13.6%) 0.95 2,009
    2020-07-01 $329,900 (10.0%) $454,842 (12.6%) 0.95 1,785
    2020-08-01 $329,900 (11.2%) $449,943 (11.2%) 0.94 1,642
    2020-09-01 $324,950 (13.0%) $447,728 (13.7%) 0.93 1,509
    2020-10-01 $324,900 (14.0%) $448,178 (15.3%) 0.93 1,530
    2020-11-01 $315,450 (10.7%) $450,839 (11.7%) 0.90 1,554
    2020-12-01 $310,000 (8.8%) $446,477 (10.3%) 0.91 1,372
    2021-01-01 $320,000 (13.3%) $469,725 (12.9%) 0.94 1,142
    2021-02-01 $329,900 (13.8%) $495,872 (16.5%) 0.95 861
    2021-03-01 $314,950 (3.8%) $480,993 (11.4%) 0.88 745
    2021-04-01 $349,900 (15.6%) $504,469 (20.8%) 0.94 673
    2021-05-01 $344,586 (9.4%) $492,189 (12.8%) 0.91 765
    2021-06-01 $349,900 (7.7%) $491,077 (9.5%) 0.91 924
    2021-07-01 $327,450 (-0.7%) $469,511 (3.2%) 0.85 1,053
    2021-08-01 $329,900 (0.0%) $474,909 (5.6%) 0.87 1,161
    2021-09-01 $326,178 (0.4%) $475,868 (6.3%) 0.86 1,172
    2021-10-01 $325,000 (0.0%) $477,496 (6.5%) 0.86 1,188
    2021-11-01 $332,450 (5.4%) $500,668 (11.1%) 0.88 1,074
    2021-12-01 $337,450 (8.9%) $510,773 (14.4%) 0.90 874
    2022-01-01 $349,900 (9.3%) $540,987 (15.2%) 0.93 727
    2022-02-01 $375,000 (13.7%) $558,719 (12.7%) 0.96 618
    2022-03-01 $372,400 (18.2%) $548,147 (14.0%) 0.92 690
    2022-04-01 $395,000 (12.9%) $552,914 (9.6%) 0.93 783
    Knoxville's median listing price for 2022-04-01 was $395,000, a difference of $45,100 (12.9%) versus the prior year and $22,600 versus the prior month.

    Knoxville's median listing price comes in at 93% of the national average.

    Knoxville's average listing price for 2022-04-01 was $552,914, a difference of $48,445 (9.6%) versus the prior year and $4,767 versus the prior month.

    For the 2022-04-01 period, Knoxville had 783 MLS listings, a difference of 93 listings (13%) versus the prior month and 110 listings (16%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Knoxville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 91 days 2,159 sqft
    2018-02-01 89 days 2,174 sqft
    2018-03-01 72 days 2,232 sqft
    2018-04-01 60 days 2,269 sqft
    2018-05-01 57 days 2,301 sqft
    2018-06-01 59 days 2,291 sqft
    2018-07-01 60 days 2,299 sqft
    2018-08-01 62 days 2,262 sqft
    2018-09-01 65 days 2,244 sqft
    2018-10-01 71 days 2,247 sqft
    2018-11-01 74 days 2,259 sqft
    2018-12-01 82 days 2,231 sqft
    2019-01-01 88 days 2,218 sqft
    2019-02-01 83 days 2,206 sqft
    2019-03-01 65 days 2,246 sqft
    2019-04-01 60 days 2,310 sqft
    2019-05-01 56 days 2,322 sqft
    2019-06-01 58 days 2,369 sqft
    2019-07-01 63 days 2,383 sqft
    2019-08-01 63 days 2,338 sqft
    2019-09-01 61 days 2,262 sqft
    2019-10-01 64 days 2,243 sqft
    2019-11-01 69 days 2,229 sqft
    2019-12-01 75 days 2,211 sqft
    2020-01-01 85 days 2,203 sqft
    2020-02-01 84 days 2,215 sqft
    2020-03-01 60 days 2,251 sqft
    2020-04-01 59 days 2,272 sqft
    2020-05-01 64 days 2,296 sqft
    2020-06-01 64 days 2,302 sqft
    2020-07-01 59 days 2,329 sqft
    2020-08-01 56 days 2,262 sqft
    2020-09-01 52 days 2,237 sqft
    2020-10-01 48 days 2,200 sqft
    2020-11-01 48 days 2,143 sqft
    2020-12-01 55 days 2,093 sqft
    2021-01-01 66 days 2,086 sqft
    2021-02-01 66 days 2,094 sqft
    2021-03-01 49 days 1,996 sqft
    2021-04-01 43 days 2,098 sqft
    2021-05-01 36 days 2,058 sqft
    2021-06-01 35 days 2,100 sqft
    2021-07-01 37 days 2,018 sqft
    2021-08-01 37 days 1,996 sqft
    2021-09-01 42 days 1,977 sqft
    2021-10-01 42 days 1,983 sqft
    2021-11-01 44 days 1,986 sqft
    2021-12-01 48 days 1,973 sqft
    2022-01-01 52 days 2,000 sqft
    2022-02-01 42 days 2,015 sqft
    2022-03-01 34 days 1,990 sqft
    2022-04-01 30 days 2,033 sqft
    Knoxville's median listing age (time on market) for 2022-04-01 was 30 days. This is -30% shorter than the same period one year ago.

    Knoxville's median square footage for active listings during the 2022-04-01 period was 2,033 sqft. One year prior, the average listing was 2,098 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).