Interested-party contributions
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Definition
Interested-party contributions, or IPCs, are funds a seller or another interested party pays toward a buyer’s costs on a GSE loan. Seller concessions are a common consumer name for some of those funds. IPC rules are GSE-specific, not a universal mortgage law.
In plain English
A seller may agree to pay some of the buyer’s closing costs. In Fannie Mae language, money like that can be an interested-party contribution. The percentage a GSE will allow is not published here. This page names the official GSE idea. It does not turn one guide table into a national rule.
Technical definition
Fannie Mae’s Selling Guide heading for interested-party contributions is PRIMARY. Current IPC percentage grids are omitted.
Why it matters
Purchase contracts talk about seller concessions. On a GSE loan those dollars may be tested as IPCs.
Related terms
Sources reviewed
Interested Party Contributions (IPCs)
Source reviewedSeptember 6, 2026
Important note
Keep the definition conceptual. Do not publish current IPC percentage grids.
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