Recent and pending changes to FHA-backed loans may increase barriers to home ownership and hamper the housing market recovery. Right now, sellers can pay 6% of the buyers’ closing costs. Sellers use closing costs as a way to get buyers to buy their home. FHA is asking home owners and those in the housing industry what they think about limiting closing cost help to 3% or $6,000, whichever is greater. FHA thinks having buyers put up more cash at closing will make them less likely to default later on their mortgages. The problem is that making home buyers pay more at closing could slow down the real estate market recovery. Seller concessions are critical in these and other areas to allowing the borrowers to buy a home without depleting all of their savings.