You may include as part of your offer to purchase your Jacksonville Real Estate, a request for the seller to provide some financial incentive for all or a portion of your closing costs. One common request is asking the seller to provide funds to temporarily buy down your interest rate for a year or two. These incentives can be especially valuable if a buyer is tight on money or pushing their qualifying ratios to the limit.  If you are looking for a little relief in the beginning, you must be willing to pay a little more in the long run. After all, you are asking the seller to relinquish some money to help you buy their house.