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Brandon from DocHub Home Loans discusses ways to help buyers save money at closing, specifically focusing on reducing out-of-pocket costs. He highlights that while credits can lower these costs, waiving escrows for property taxes and homeowners insurance is another effective method. This refers to the funds typically collected by lenders to establish an escrow account, which buyers generally contribute to monthly as part of their mortgage payment. Notably, many lenders mandate a minimum 20 percent down payment for buyers to be eligible for this option. Waiving escrows can thus make closing more manageable for buyers with tighter budgets.