Roll Closing Costs in to Mortgage?

[Ray I.]

Hello,

I am currently in the process of buying a SFR, and I noticed the closing costs were higher than I had anticipated. My lender said there is no way to roll in the closing costs, but we can ask for a maximum of 2% concessions from the seller to help cover some of the costs. Here are my questions:

1.) Is there a way to roll in the closing costs?

2.) Does this vary depending on the lender?