Can I finance my closing costs into the mortgage for a 30 year fixed rate loan.?

yeah it's possible, the loan amount increases a little bit but than again, your paying down 5000$ so the amount you need to finance is less. The details of your loan might get better if it's more than 3 percent down.

I don't why the builder would want $5,000 to finish the house, unless you asked for some upgrades. Tell him you don't have it and don't roll more money into your loan.

I don't know any lender that is doing more than 100% first financing.

The money was likely for an upgrade, not a down payment.

You will have to ask your mortgage company, but the loan will exceed 100% of hte cost, so it is not very likely unless you have really great credit.

If your lender allows it, sure you can roll the closing costs into your loan.

I don't get why a builder would ask for money down to finish the home.

particular. probable did no longer calculate the PMI wisely on your APR. PMI in simple terms needs to paid till the non-public loan will pay all the way down to the 80% of value point. some inexperinced brokers will calculate the PMI by all 30 years. Makes your APR artificially extreme. Your final fees of in simple terms $3,000 look low for a private loan of $161k. you're going so see final fees on the contract table you probably did no longer assume to pay.

We used to be able to do 103% LTV loans, to finance closing costs. Sorry, I don't know who still does them.

you can but your interest rate will go up as well. try getting a gift from a relative or get the closing costs from another source of income(stocks, bonds, retiremnet, 401k etc.)

You can.

But banks have tough credit requirements for things like that these days.