How Can I Legally Get Money To The Buyer To Help With Down Payment?

Hi all, I need some advice here. I am trying to find a way to sell to the buyer so he technically brings nothing to the table. The value is there so I can raise the price as much as needed to cover closing costs and 5% down which in this case is $11,000.

The lender wants him to physically bring a check to closing for $11,000.

He has 800+ FICO but, no $11,000 to bring to the table.

So, is there a way for me to legally give him the $11,000 to bring to the table and raise the price accordingly? Or if he credit cards the $11,000 can I get it back to him after escrow?

I have a good relationship with the buyer, trust is not the factor. Legally getting him $11,000 to put on the house is.

Ideas?

Details:

Appraised value $218,000
Loans -$188,000
Est Closing - $5,000
Cash Out $25,000

The $11,000 would come from the $25k cash out.

For what it’s worth, this buyer’s son brought me this deal 9 months ago. I took it sub to, no money out of pocket, put a 2nd on it to make a little money up front. It’s been a great deal so I am happy to sell it to the buyer and help if I can do so without breaking the law.

Thanks, Brian