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Used subcompact SUVs for sale near Otho, IA

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10 matches 30 miles from 50569
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Est. $400 /mo*
Down Payment
$0
Net trade-in value
$0
Months
72
APR
7.0%
Sales tax
0.0%

Vehicle information

Ext. color: Iridescent Pearl Tricoat
Int. color: Jet Black w/Red Accents
Drivetrain: Front-wheel Drive
MPG: 29-33
Fuel type: Gasoline
Transmission: Automatic
Engine: ECOTEC 1.3L I-3 gasoline direct injection, DOHC, variable valve
Stock #: 18603P
VIN: KL79MTSL4PB134445

Features

Convenience: Adaptive Cruise Control, Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System, Power Liftgate, Remote Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats

Reviews

Pat Clemons Inc review

Great experience!

We just bought our third vehicle ( first new one) from this dealer. Very happy with the process! Love our new cruze!!!

2023 Chevrolet Trailblazer RS review

Very nice vehicle except for the back up camera.

This vehicle has one drawback that I am aware of. The back up camera is very poor. The images are not crystal clear. It is like looking at a television screen from the 50s. I had a Blazer 2019 and my screen was great. I cannot understand why my 2023 vehicle has a poor screen. I have contacted General Motors and have gotten nowhere with them. I find this poor visual screen to be a safety issue. Had I known the back up camera and screen were so poor, I would’ve never bought the car as much as I like everything else about it. The visual on the screen is even worse at night.

Vehicle information

Ext. color: Burgundy
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 25-33
Fuel type: Gasoline
Transmission: 6-Speed Automatic
Engine: 1.4L I4 16V MPFI DOHC Turbo
Stock #: 87678864
VIN: KL4CJASB7HB200219

Features

Convenience: Keyless Start
Entertainment: Apple CarPlay®, Bluetooth®, Premium Sound System, Satellite Radio, USB Port
Exterior: Alloy Wheels, Roof Rack
Safety: Backup Camera, Brake Assist, Stability Control
Seating: Leather Seats

Reviews

2017 Buick Encore Preferred review

Knock on Wood. No problems like the other reviews

I leased this 2017 Encore in 2017 after the lease was up I bought it. Now in 2024 I am just putting tires on it. I put a new battery in last year. That's it! I change the oil. I have read the bad reviews and am surprised. To be fair I drive in town and 6000 to 7000 miles a year.

Vehicle information

Ext. color: Alpine White Clearcoat
Int. color: Black
Drivetrain: Four-wheel Drive
MPG: 23-29
Fuel type: Gasoline
Transmission: Automatic
Engine: 1.3L I-4 gasoline direct injection, Multiair variable valve cont
Stock #: 18441P
VIN: ZACNJDB16PPP67708

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Navigation System, Remote Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control

Reviews

Pat Clemons Inc review

SO FAR SO GOOD

I haven't purchase yet but so far I am please with the price we came up with and the car seems in very good condition. They seem friendly and willing to please the customer. They will go far with that attitude and sell a lot of vehicles . Some how right from the get go you have a science you buying from a reliable dealer. Let you know more in a few days going to see them on Friday. 4/17/2014

2023 Jeep Renegade Latitude review

Double dipping

After 100,000 trouble free miles we bought a second Renegade this February. Good car, reasonable mileage, no complaints. Moved up to the Trailhawk trim package

Vehicle information

Ext. color: Yellow
Int. color: Black
Drivetrain: Four-wheel Drive
MPG: 24-31
Fuel type: Gasoline
Transmission: 9-Speed Automatic
Engine: 2.4L I4 16V MPFI SOHC
Stock #: E54168A
VIN: ZACCJBBB1HPE54168

Features

Convenience: Keyless Entry, Keyless Start
Entertainment: Bluetooth®, Satellite Radio, USB Port
Exterior: Alloy Wheels
Safety: Backup Camera, Brake Assist, Stability Control

Reviews

Mark's Auto Mart review

Bought a Camaro

Very friendly and easy to work with. Nice experience. I would recommend these guys if you are looking a quality used car. It's worth the drive.

2017 Jeep Renegade Latitude review

The Jeep Renegade proves that you don’t need a massive

The Jeep Renegade proves that you don’t need a massive SUV to enjoy real capability. It is great for everyday practicality, making it a great choice for drivers who want something different—something with personality, performance, and purpose. Whether you're commuting during the week or hitting the trails on the weekend, the Renegade is more than ready to go wherever life takes you.

Vehicle information

Ext. color: Deep Crystal Blue Mica
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 26-33
Fuel type: Gasoline
Transmission: Automatic
Engine: SKYACTIV-G 2.5L I-4 gasoline direct injection, DOHC, variable va
Stock #: 18660PV
VIN: 3MVDMBBM0PM527494

Features

Convenience: Adaptive Cruise Control, Heated Seats, Keyless Entry, Keyless Start, Navigation System, Remote Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats

Reviews

Pat Clemons Inc review

Best car buying experience we have had!

My husband and I just bought a 2014 sonic from Pat Clemons, Zach was our salesman and everything went smooth! He was very upfront an honest from the start. We were very excited to buy our first brand new car, and Zach did everything he could to make sure it was ready for us to pick up when we were ready! Dallas assisted us with the financing and he made sure we knew exactly what we were paying for before signing any papers! Our over all experience was wonderful and we are looking forward to going back when we are ready for another vehicle! Thank you

2023 Mazda CX-30 2.5 S Select Package review

Fabulous car.

Fabulous car. Extremely happy with the purchase, performance and deal. I knew this was the right vehicle after reading the previous reviews. Thanks to all!!

Vehicle information

Ext. color: Carrara White Metallic
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 20-25
Fuel type: Gasoline
Transmission: Automatic
Engine: 2L I-4 gasoline direct injection, DOHC, variable valve control,
Stock #: 24957A
VIN: WP1AA2A57JLB12543

Features

Convenience: Adaptive Cruise Control, Cooled Seats, Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System, Power Liftgate
Entertainment: Apple CarPlay®, Bluetooth®, CD Player, DVD Player, HomeLink, Premium Sound System, USB Port
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, Lane Departure Warning, Rain Sensing Wipers, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

2018 Porsche Macan Macan Sport Edition review

Macan Tyrbo

One of the most fun cars I have ever driven. The acceleration and handling are on another level than the X5M or X3M. It’s also practical and looks extremely sharp. Infotainment could be better - the PDK is lightening fast though. Exhaust tone is amazing. I can go on and on.

Vehicle information

Ext. color: Nitro Yellow Metallic
Int. color: Jet Black w/Arizona Accents
Drivetrain: Front-wheel Drive
MPG: 29-33
Fuel type: Gasoline
Transmission: Automatic
Engine: ECOTEC 1.3L I-3 gasoline direct injection, DOHC, variable valve
Stock #: 18520P
VIN: KL79MVSL9PB186794

Features

Convenience: Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System, Remote Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Lane Departure Warning, Stability Control
Seating: Leather Seats

Reviews

Pat Clemons Inc review

Pretty Solid!

Went there to look at a Buick LaCrosse, and trade in my Buick Lucerne. They were very nice, attentive, I had someone help me right away. The seller wasn't pushy, gave me all the numbers I'd need, and it didn't take a long time to do any of it. When I told him I wanted to go home and sleep on it, he was perfectly fine with that, and didn't push me or anything as I've experienced in other situations. Gave me more than fair trade value, got a good price on the car itself. All in all I was very happy with my transaction.

2023 Chevrolet Trailblazer ACTIV review

Great SUV!

Drove one in New York, NJ ,PA area for work (rental). Loved the connectivity to Android, very simple, you get what you need. Comfortable, drove about 800 miles and it did very well driving in all sorts of traffic and terrain conditions. Overall very satisfied with the car, would consider buying one if the reliability is good long term.

Vehicle information

Ext. color: Black
Int. color: Black
Drivetrain: Four-wheel Drive
MPG: 21-29
Fuel type: Gasoline
Transmission: 9-Speed Automatic
Engine: 2.4L I4 16V MPFI SOHC
Stock #: K99309
VIN: ZACNJBBB8LPK99309

Features

Convenience: Keyless Start
Entertainment: Apple CarPlay®, Bluetooth®, Satellite Radio, USB Port
Exterior: Alloy Wheels
Safety: Backup Camera, Brake Assist, Stability Control

Reviews

Mark's Auto Mart review

Nobody ran out to sell me a car. I like that.

Jeremy was a great person to deal with. Everything went smoothly and I will definitely buy another truck from them again. They did not come running out to sell me a truck. That’s very important to me.

2020 Jeep Renegade Latitude review

Owning my 2020 Jeep Renegade Limited has been an absolute

Owning my 2020 Jeep Renegade Limited has been an absolute joy. This SUV strikes the perfect balance between style, comfort, and capability. From the moment I got behind the wheel, I was impressed by its smooth ride, responsive handling, and surprisingly spacious interior. The premium features—like the leather-trimmed seats, intuitive Uconnect infotainment system, and advanced safety technology—make every drive comfortable and convenient. Whether I’m commuting in the city or taking a weekend getaway, the Renegade Limited handles it all with ease. What really stands out is its versatility. The 4x4 capability gives me confidence in any weather condition, and the fuel efficiency is great for an SUV of its size. Plus, the unique design turns heads wherever I go—Jeep really nailed the balance between rugged and modern. If you're looking for a compact SUV that delivers reliability, technology, and a sense of adventure, the 2020 Jeep Renegade Limited is a fantastic choice. I couldn’t be happier with mine!

Vehicle information

Ext. color: River Rock Metallic
Int. color: Ebony
Drivetrain: Front-wheel Drive
MPG: 28-34
Fuel type: Gasoline
Transmission: Automatic
Engine: Ecotec 1.4L I-4 DOHC, variable valve control, intercooled turbo,
Stock #: 18592PVA
VIN: KL4CJCSB4GB701742

Features

Convenience: Heated Seats, Heated Steering Wheel, Keyless Entry, Navigation System, Remote Start
Entertainment: Bluetooth®, CD Player, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Pat Clemons Inc review

Winston

We came from ND; tailgate wouldn't unlock, they took our Silverado in immediately and fixed the problem! We'd give them a 10 star rating for their very helpful and courteous staff.

2016 Buick Encore Leather review

Awesome Encore

I have not had any problems with my Encore. I drove it to Nevada, California, Arizona, New Mexico, Texas, Kentucky and Arkansas and have not had any problems with it at all. I have had the standard maintenance on it, Radiator Flush, Oil changes and put a new battery on it in 2022. The battery it came with lasted 6 years, can't complain about that. And I just put a set of tires on it too. I am very happy with this model and would recomend it anyone looking for a GREAT SUV.

Vehicle information

Ext. color: Marina Blue Metallic
Int. color: Jet Black w/Blue Accents
Drivetrain: Front-wheel Drive
MPG: 28-32
Fuel type: Gasoline
Transmission: Automatic
Engine: ECOTEC 1.2L I-3 gasoline direct injection, DOHC, variable valve
Stock #: B26073A
VIN: KL77LHEP4SC078161

Features

Convenience: Adaptive Cruise Control, Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System, Remote Start
Entertainment: Bluetooth®, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Tow Hooks
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats

Reviews

2025 Chevrolet Trax LT review

Bought to replace a Cruze that was a real road warrior .

Bought to replace a Cruze that was a real road warrior . 2025 Trax 3 cyl does 70 mph plus on trips with 3 adults in comfort . LS model had no rear hatch cover . Bought one off FB Marketplace for $10. Dealer wanted $235. Used the rubber floor mats from the old Cruze and snapped right into place on the Trax for the winter weather . Doing more frequent oil changes because of wet belt setup . Originally wanted a Buick Envista but felt the $21200 Trax was basically the same car for thousands less .

There are additional matching cars outside your search area.

Sorted by premium dealers first

Partial matches are generated by applying your search criteria to a larger search area. Our goal is to help you discover additional cars that match your search preferences.

As a benefit to some of our dealer customers, we display their listings first.

Vehicle information

Ext. color: RED/Red
Drivetrain: Front-wheel Drive
MPG: 29-31
Fuel type: Gasoline
Transmission: Automatic
Engine: ECOTEC 1.2L I-3 gasoline direct injection, DOHC, variable valve
Stock #: PB033731LN
VIN: KL79MMS28PB033731

Features

Convenience: Keyless Entry, Navigation System
Entertainment: Apple CarPlay®, Bluetooth®, Satellite Radio, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Lane Departure Warning, Stability Control

Vehicle information

Ext. color: Billet Silver Metallic Clearcoat
Int. color: Black
Drivetrain: Four-wheel Drive
MPG: 22-30
Fuel type: Gasoline
Transmission: Automatic
Engine: MultiAir2 Tigershark 2.4L I-4 variable valve control, regular un
Stock #: B1537
VIN: 3C4NJDCB2NT179501

Features

Convenience: Adaptive Cruise Control, Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Remote Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, Premium Sound System, Satellite Radio, USB Port
Exterior: Alloy Wheels, Roof Rack
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats

Vehicle information

Ext. color: Ecotronic Gray
Int. color: Black
Drivetrain: Front-wheel Drive
MPG: 29-32
Fuel type: Gasoline
Transmission: Automatic
Engine: Smartstream 1.6L I-4 DOHC, CVVT variable valve control, regular
Stock #: SU388732LN
VIN: KMHRC8A39SU388732

Features

Convenience: Keyless Entry, Keyless Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, USB Port
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control

Vehicle information

Ext. color: Jetset Blue Clearcoat
Int. color: Black
Drivetrain: Four-wheel Drive
MPG: 21-29
Fuel type: Gasoline
Transmission: Automatic
Engine: Tigershark MultiAir 2.4L I-4 variable valve control, regular unl
Stock #: KPK03307
VIN: ZACNJBBBXKPK03307

Features

Convenience: Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Remote Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, Satellite Radio, USB Port
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Rain Sensing Wipers, Stability Control

Vehicle information

Ext. color: Shadow Black
Int. color: Ebony Black
Drivetrain: Front-wheel Drive
MPG: 27-29
Fuel type: Gasoline
Transmission: Automatic
Engine: EcoBoost 1L I-3 gasoline direct injection, DOHC, variable valve
Stock #: MC451753KN
VIN: MAJ3S2GE2MC451753

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, Satellite Radio, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control

Vehicle information

Ext. color: KAD/GUN METALL
Int. color: Charcoal
Drivetrain: Front-wheel Drive
MPG: 31-36
Fuel type: Gasoline
Transmission: Automatic
Engine: 1.6L I-4 DOHC, CVTCS variable valve control, regular unleaded, e
Stock #: PL549555N
VIN: 3N1CP5CV8PL549555

Features

Convenience: Adaptive Cruise Control, Keyless Entry, Keyless Start, Remote Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, Satellite Radio, USB Port
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control

Vehicle information

Ext. color: Graphite Shadow
Int. color: Graphite
Drivetrain: All-wheel Drive
MPG: 21-30
Fuel type: Gasoline
Transmission: Automatic
Engine: 2L I-4 gasoline direct injection, DOHC, variable valve control,
Stock #: KA008254KN
VIN: SJKCH5CR4KA008254

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Navigation System
Entertainment: Bluetooth®, CD Player, Satellite Radio, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Stability Control
Seating: Leather Seats, Memory Seat

Vehicle information

Ext. color: Summit White
Int. color: Ebony w/Ebony Accents
Drivetrain: All-wheel Drive
MPG: 26-29
Fuel type: Gasoline
Transmission: Automatic
Engine: ECOTEC 1.3L I-3 gasoline direct injection, DOHC, variable valve
Stock #: PB161714N
VIN: KL4MMESL4PB161714

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Navigation System, Remote Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, Satellite Radio, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats

Vehicle information

Ext. color: Graphite Gray
Int. color: Black
Drivetrain: Four-wheel Drive
MPG: 23-29
Fuel type: Gasoline
Transmission: 9-Speed Automatic
Engine: 1.3L I4 16V GDI SOHC Turbo
Stock #: C7032A
VIN: ZACNJDD1XPPP24633

Features

Convenience: Adaptive Cruise Control, Heated Seats, Heated Steering Wheel, Keyless Entry, Navigation System, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, Satellite Radio
Exterior: Alloy Wheels, Roof Rack
Safety: Backup Camera, Brake Assist, Rain Sensing Wipers, Stability Control
Seating: Leather Seats

Vehicle information

Ext. color: Fountain Blue
Int. color: Jet Black
Drivetrain: All-wheel Drive
MPG: 26-30
Fuel type: Gasoline
Transmission: 9-Speed Automatic
Engine: 1.3L I3 12V GDI DOHC Turbo
Stock #: 65310X
VIN: KL79MUSL7PB180423

Features

Convenience: Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, Satellite Radio, USB Port
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Lane Departure Warning, Rear Cross Traffic Alert, Stability Control
Seating: Leather Seats

Vehicle information

Ext. color: Summit White
Int. color: Jet Black
Drivetrain: Front-wheel Drive
MPG: 28-32
Fuel type: Gasoline
Transmission: 6-Speed Automatic
Engine: 1.2L I3 12V GDI DOHC Turbo
Stock #: BX1058B
VIN: KL77LJE23RC081932

Features

Convenience: Heated Steering Wheel, Keyless Start, Remote Start
Entertainment: Bluetooth®, Premium Sound System, Satellite Radio, USB Port
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, LED Headlights, Lane Departure Warning, Stability Control
Seating: Leather Seats

Vehicle information

Ext. color: Sterling Gray Metallic
Int. color: Jet Black
Drivetrain: All-wheel Drive
MPG: 26-29
Fuel type: Gasoline
Transmission: 9-Speed Automatic
Engine: 1.3L I3 12V GDI DOHC Turbo
Stock #: B26Z007A
VIN: KL79MRSL2RB068189

Features

Convenience: Keyless Start, Remote Start
Entertainment: Bluetooth®, Satellite Radio, USB Port
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Lane Departure Warning, Stability Control
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FAQs

What is the cheapest SUV available?

The Buick Encore is the cheapest available SUV by average Cars.com listing price, with an average listing price of $12,702.

Which SUV has the best MPG?

The Nissan Kicks has the best MPG among traditional internal combustion SUVs and offers up to 31 MPG city and 36 MPG highway for a combined rating of 33 MPG. The Kia Niro has the best MPG amongst SUVs with hybrid powertrains, reaching 53 MPG city and 54 MPG highway for a combined rating of 53 MPG.

These figures are based on EPA mileage ratings and are for comparison purposes only. The actual mileage will vary depending on the selected vehicle model year, trim, driving conditions, driving habits, vehicle maintenance, and other factors.

Which SUV has the longest range?

The Cadillac Escalade IQ has the longest range among SUVs and can travel up to 450 miles on a single charge depending on electric motor and battery options.

EPA-estimated range is the distance, or predicted distance, a new plug-in vehicle will travel on electric power before its battery charge is exhausted. Actual range will vary depending on model year, driving conditions, driving habits, elevation changes, weather, accessory usage (lights, climate control), vehicle condition and other factors.

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Jeep has the most available SUV deals on Cars.com with 20808 great deals out of 66193 listings starting at $1.

*Estimated payments are calculated by Cars.com and are for informational purposes only. We’ve estimated your taxes based on your provided ZIP code. These estimates do not include title, registration fees, lien fees, or any other fees that may be imposed by a governmental agency in connection with the sale and financing of the vehicle. Other taxes may apply. They do not represent a financing offer or a guarantee of credit from the seller. Actual terms vary by lender.

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