If closing costs were less than the amount that the seller agreed to pay, what may occur?

This can happen sometimes. If your closing costs are less than the amount agreed by the seller, you should check if there are other costs that you can use the money to cover.

One good solution is to ask your lender to add a discount. Discount points are an additional cost to close that will reduce your rate.As a next step if you are using a government–backed loan (FHA, VA, or USDA); You can use the extra money to cover the initial mortgage insurance or the initial capital cost.