Using All The Seller Credit For Your Buyers

We represent many buyers on the purchase of bank owned homes in our area. With many buyers being first time home buyers and using FHA for their financing we almost always ask for closing cost help for the buyers. We never know if all the credit can be used up until a few days before closing when we see the estimated hud. Lately we have had a few hundred dollars left of the seller credit that looks like it can not be used. It's a use it or loose it thing. I have been on a mission lately to use every dime for our buyers. After all it's THEIR money right! I have been getting sewer bills pre-paid, inspections paid, even going back to the lender and asking them to do a rate buy down. This is a really big deal to me, if there is money on the table, I will push to get it used !