Selling Guide

Published December 16, 2020

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What are considered interested party contributions?

Interested party contributions (IPCs) are costs that are normally the responsibility of the property purchaser that are paid directly or indirectly by someone else who has a financial interest in, or can influence the terms and the sale or transfer of, the subject property. 

IPCs are either financing concessions or sales concessions. Fannie Mae considers the following to be IPCs: 

  • funds that are paid directly from the interested party to the borrower; 
  • funds that flow from an interested party through a third-party organization, including nonprofit entities, to the borrower; 
  • funds that flow to the transaction on the borrower’s behalf from an interested party, including a third-party organization or nonprofit agency; and 
  • funds that are donated to a third party, which then provides the money to pay some or all of the closing costs for a specific transaction. 

A lender credit derived from premium pricing is not considered an IPC even if the lender is an interested party to the transaction. 

See B3-4.1-03, Types of Interested Party Contributions (IPCs), for more information.

Fannie Mae does not permit IPCs to be used to make the borrower’s down payment, meet financial reserve requirements, or meet minimum borrower contribution requirements.

For additional information, see B3-4.1-02, Interested Party Contributions (IPCs).

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