Outright payment of closing costs

Here’s my situation and I need some input. I have X amount of money to put down on a house. We assumed that the seller will pay for closing costs but it turns out they can’t. Is it wise to put $5k less down on the house to pay for closing costs outright or increase the loan amount to cover closing costs? We are putting 50% down payment and in 4 years will be paying the rest of the loan. I asked our lender for advice but I want to know what all of you guys think. by lpalmer472 from Agoura Hills, California. Dec 8th 2021 Reply