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Third-Party Financing Addendum | For Conventional, FHA, or VA Loans

A third-party financing addendum outlines the terms of a loan that a buyer is using to close on a property. The sales contract is usually contingent upon the buyer receiving the loan as detailed in the addendum. If the buyer cannot obtain the terms as detailed, the sales contract becomes void, and all earnest money is returned to the buyer.
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Updated December 03, 2024

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Seller Financing Addendum – Use if the buyer is going to be seeking a loan directly from the seller of the property.

By Type

Conventional Financing Addendum – Provided by the Association of Realtors for buyers to enter the financing details they would need in order to close on the property.

FHA / VA Financing Addendum – Contains special language in the case of government FHA and VA loans.

Reverse Mortgage Financing Addendum – Typically for individuals 62 and over, allows the seller to collect cash in exchange for equity in their home.

USDA Financing Addendum – For buyers in rural and suburban areas who usually do not qualify for conventional loans.