If the buyer or seller's attorney are honest, the concession will show up on the HUD-1 and the bank will know about it as well. Small concessions are not unusual...it may be easier for the buyer to make minor repairs or move in if you have a $100,000 mortgage and a $2000 concession rather than a $98,000 mortgage. As long as the appraisal and buyer's income support the larger mortgage, there's no problem. I think some of you are over-thinking the question. (Too many bored SuperUsers and too few questions this time of year 🙂
