Easy Move: Seller-Paid Mortgage Concession Option for FHA Homebuyers
Transitioning into a new home comes with a lot of moving parts. Easy Move helps make those early months feel lighter with supportive seller concessions to cover interest payments for up to 6 months for FHA homebuyers.
What is Easy Move?
Easy Move is a seller-paid mortgage concession option that uses seller or builder contributions to reduce a buyer’s initial mortgage payments after closing. This includes up to 6 months of interest payments covered depending on the concession amount and FHA guidelines.
Home sellers and home builders can use this option as a powerful way to attract buyers who want more breathing room during the transition into homeownership.
A seller-paid mortgage concession option applied at closing
With Easy Move, sellers or builders agree to contribute funds at closing. These dollars can be used to lower a buyer’s monthly payments for up to 6 months depending on the concession amount and FHA guidelines by covering the interest portion.
Once the incentive period ends, the homeowner begins making their full regular monthly payment. This temporary mortgage payment reduction is especially helpful for buyers managing moving costs, overlapping rent or other early homeownership expenses.
Why use Easy Move?
Whether you’re a home seller looking to boost interest or a builder offering a buyer incentive package, Easy Move creates clear advantages.
For sellers and builders:
- Helps your listing stand out in a competitive market
- Creates a compelling builder incentive
- Offers a buyer-friendly way to support affordability without lowering the purchase price
- Helps attract first-time homebuyers and budget-conscious buyers
- Provides a transparent, guideline-friendly structure for seller concessions
For homebuyers:
- Use seller or builder concessions to cover up to 6 months of interest payments
- Reduce financial pressure during moving and settling in
How Easy Move works
Easy Move is designed to keep the process simple. Here’s what it looks like:
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The seller or builder agrees to contribute funds at closing
These contributions can be applied toward interest to reduce up to 6 initial mortgage payments.
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Funds are applied to reduce the buyer’s mortgage payments
The seller concessions may be used to cover up to the first 6 months of mortgage interest. s
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The buyer enjoys reduced mortgage payments for the covered period
This period could be up to 6 months, depending on the concession amount and FHA guidelines. e
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Once the period ends, the buyer resumes their full mortgage payment
It’s important for buyers to plan ahead so they’re prepared for the regular payment amount.
If buyers don’t resume full payments at the end of the incentive period, they may face delinquency or foreclosure. Your loan officer will help explain what to expect so you can feel fully prepared. p
Who can use Easy Move?
Easy Move is designed to fit the needs of home sellers and home builders who want to offer strong buyer incentives while following FHA requirements.
Buyers using an FHA loan can take advantage of Easy Move and enjoy interest payments covered up to 6 months.
Eligible loan types
Easy Move is available only for FHA home loans. Conventional, VA, USDA and other loan types are not eligible.
Eligible properties
Eligible property types generally include:
- Primary residences
- One- to four-unit homes that meet FHA guidelines
- Newly built homes from participating builders
- Existing homes sold by individual sellers
Investment properties and second homes are not eligible.
Your loan officer will walk through all FHA seller incentive rules, so you know exactly what qualifies.
Easy Move and FHA loan guidelines
Because Easy Move uses seller concessions, it must follow standard FHA seller concession rules and limits. Your loan officer will help ensure the concession amount fits within FHA guidelines and the buyer’s loan structure.
A few key points:
- Seller contributions must align with FHA’s maximum concession limits
- Only eligible costs can be covered
- This incentive must be reviewed and approved as part of the loan file
- Buyers must qualify for the full mortgage payment that begins after the Easy Move period has ended
Easy Move is designed to work within these rules while giving buyers meaningful payment relief during the first months after closing.
Easy Move for builders and sellers
Offering Easy Move gives your listing a compelling advantage. Highlighting the benefit of seller paid concessions to cover up to 6 months of interest payments makes your home or community more attractive to buyers looking for financial breathing room.
For builders
Easy Move can be part of your incentive package, giving buyers a clear reason to choose your home. Covering a portion of their early mortgage interest can help offset other costs that come with new construction, like moving, landscaping or furnishing.
For home sellers
Offering a seller-paid mortgage concession is often more appealing to buyers than a simple price reduction. Since Easy Move directly reduces their early mortgage payments, it gives them short-term flexibility and lasting peace of mind.
This option can help your listing attract more interest, especially with FHA homebuyers who may appreciate a lighter financial lift in the first few months.
Easy Move: Frequently asked questions
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Easy Move may cover up to the first 6 months of mortgage interest on an FHA loan, depending on the seller’s or builder’s contribution.
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Yes. This program is available only for FHA loans.
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No. This option applies only to the maximum 6 month period and must follow FHA seller concession rules.
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Your loan officer will review the loan structure to determine what’s allowed within FHA guidelines.
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The homeowner begins making their full regular mortgage payment. Failure to resume full payments may lead to delinquency or foreclosure.
Start the conversation
Easy Move makes the first few months of homeownership feel lighter. It’s a simple way for sellers and builders to offer real value and help buyers settle in with confidence.
This program does not alter the borrower’s obligation to make full, timely mortgage payments. Once the initial period (1-6 months as determined by builder or seller concessions) ends, full, regular mortgage payments will be required. Failure to resume full payments after initial period could result in delinquency or foreclosure. Seller and builder contribution limits must be in accordance with FHA guidelines. This is not a commitment to lend. All loans subject to underwriting approval.