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12 . At the end of the process described above, any remaining NSP resale properties will be made available to homebuyer applicants as the potential homebuyers are qualified for the NSP . Properties may be marketed by the County in either of the two ways described below : (a) The County may offer a real estate commission equal to three percent ( 3 %) of the sales price of the property to the real estate broker bringing an executed real estate purchase agreement to the County for one of the NSP available resale properties at the County ' s asking price . Real Estate Commissions shall be due and payable to the real estate broker only upon the buyer being determined eligible to participate in the NSP and purchasing the property . (b ) The County may list the NSP properties with a real estate broker to market the properties to potential qualified homebuyers . In so doing , the County will offer a commission to the real estate broker listing a property equal to three percent (3 %) of the sales price of the property and an additional three percent (3 %) of the sales price will be offered through the County ' s property listing real estate broker to the real estate broker bringing an executed real estate purchase agreement to the County for one of the NSP available resale properties at the County ' s asking price . Both real estate commissions will be due and payable to the real estate brokers upon the buyer being determined eligible to participate in the NSP and purchasing the property . For properties acquired with NSP funds and sold to a qualifying household, the buyer household must contribute $ 500 . 00 to the purchase of the home and must obtain a principal mortgage from a financial institution, while the local government will provide the purchasing household with a second mortgage . The second mortgage will be for an amount that reflects the difference between the purchase price less the $ 500 . 00 buyer contribution and the principal mortgage amount. The second mortgage shall be in the form of a zero interest Deferred Payment Loan (DPL) . The DPL will remain in place for a fifteen ( 15 ) year term and will be due and payable at the transfer of ownership of the property , if the transfer of ownership occurs during the fifteen ( 15 ) year period. The Second mortgage will be limited to the following : • An amount not to exceed ten percent ( 10 %) of the sales price of the property for closing cost assistance . This closing cost assistance may be used to pay the buyer' s recording fees , intangible taxes, stamps on the note, mortgage title insurance , wood destroying organism inspections, appraisal fees , property survey fees , credit reports , lender ' s document preparation fees, underwriting fees , closing attorney ' s settlement fees , buyer ' s courier fees , prepaid property taxes , prepaid homeowner' s insurance, prepaid flood insurance, and any other fees included on the Department of Housing and Urban Development (HUD) closing statement for the property agreeable to both the buyer and the seller. • An amount equal to the difference between the sales price of the property less a $ 500 . 00 required buyer contribution and the amount a mortgage lender 13