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New and used 2025 BMW X1 SUVs for sale near Northampton, PA

Filters 5 Year Trim Model Price & payment Make Mileage Body style Ext. color All filters
52 matches 30 miles from 18954
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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: Jet Black
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 24-33
Fuel type: Gasoline
Transmission: 7-Speed Automatic
Engine: 2L I-4 port/direct injection, DOHC, variable valve control, inte
Stock #: 4205P
VIN: WBX73EF04S5140152

Features

Convenience: Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System, Power Liftgate, Remote Start
Entertainment: 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, Rain Sensing Wipers, Stability Control
Seating: Memory Seat

Reviews

BMW of Doylestown A Thompson Dealership review

Great experience!

Knew what I was looking for and they had it. Cut a very fair deal over phone. When I picked up car it was just as described. Great experience overall!

2025 BMW X1 xDrive28i review

Drives smooth.

Drives smooth. Great with the electronics. The car is very high tech and up to date. I would definitely recommend this car !! Very spacious and has alot of leg room!

Vehicle information

Ext. color: Portimao Blue Metallic
Int. color: Mocha
Drivetrain: All-wheel Drive
MPG: 23-31
Fuel type: Gasoline
Transmission: 7-Speed Automatic
Engine: 2L I-4 port/direct injection, DOHC, variable valve control, inte
Stock #: 34363
VIN: WBX13EF00S5270256

Features

Convenience: Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System, Power Liftgate, Remote Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, Premium Sound System, USB Port, WiFi Hotspot
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Stability Control
Seating: Memory Seat

Reviews

BMW of Doylestown A Thompson Dealership review

Wonderful Experience ordering my Dream car

When we walked into Thompson BMW I wanted to look at the BMWX2 . We were told it was not Yet available. We were introduced to our sales person Denise Rossi. Little did we know we just hit the jackpot. Denise Was knowledgeable and pleasant to work with. She made the experience purchasing a new car a wonderful experience. From start to finish Denise helped me order my dream car. Every detail of the car we purchased came in perfect. We selected the New redesigned BMWX1 , I could not be happier. The whole staff and dealership were Friendly and helpful to work with. Our special thanks and gratitude goes solely to Denise Rossi. If you are looking for that perfect BMW to purchase ask for Denise

Vehicle information

Ext. color: Space Silver Metallic
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 24-33
Fuel type: Gasoline
Transmission: 7-Speed Automatic
Engine: 2L I-4 port/direct injection, DOHC, variable valve control, inte
Stock #: 4160P
VIN: WBX73EF04S5051830

Features

Convenience: Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System, Power Liftgate, Remote Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, HomeLink, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Roof Rack, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Stability Control
Seating: Memory Seat

Reviews

BMW of Doylestown A Thompson Dealership review

I just purchased a new 2024 X3 xDrive30i at BMW of

I just purchased a new 2024 X3 xDrive30i at BMW of Doylestown. The customer service I received from entering the dealership to driving away with my new car was exemplary. James Erlikh in Sales was very knowledgable, professional and great to work with! I appreciated his patient style, answering my many questions comparing the X1 and X3, allowing me to make a very important, personal decision without pressure. Nicole Bishop in Finance was also helpful and pleasant to work with. Kerrie Greene is an expert in all things iDrive and walked me through an extremely helpful orientation. I also got a fair value of my trade-in. Overall I had a very positive customer experience!

Vehicle information

Ext. color: Alpine White
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 24-33
Fuel type: Gasoline
Transmission: 7-Speed Automatic
Engine: 2L I-4 port/direct injection, DOHC, variable valve control, inte
Stock #: 34359
VIN: WBX73EF06S5270272

Features

Convenience: Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System, Power Liftgate, Remote Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, HomeLink, USB Port, WiFi Hotspot
Exterior: Alloy Wheels, Sunroof/Moonroof, Tow Hitch
Safety: Automatic Emergency Braking, Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Stability Control
Seating: Memory Seat

Reviews

BMW of Doylestown A Thompson Dealership review

I can't say enough good things about David!

I can't say enough good things about David! I've been a customer of Thompson BMW for many years. It was great to deal with David, who is very professional! I give 5 star rating for David because service goes beyond my expectations. It was a stress free experience.

Vehicle information

Ext. color: Utah Orange Metallic
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 24-33
Fuel type: Gasoline
Transmission: 7-Speed Automatic
Engine: 2L I-4 port/direct injection, DOHC, variable valve control, inte
Stock #: F223618
VIN: WBX73EF01S5223618

Features

Convenience: Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System, Power Liftgate, Remote Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, HomeLink, 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, Rain Sensing Wipers, Stability Control
Seating: Memory Seat

Reviews

BMW of Fort Washington review

Excellent

Ben ammar was a excellent guy he answered every question I ask him I’m glad y’all have him on ur team I know I will buy my next car from him

Vehicle information

Ext. color: Space Silver Metallic
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 24-33
Fuel type: Gasoline
Transmission: 7-Speed Automatic
Engine: 2L I-4 port/direct injection, DOHC, variable valve control, inte
Stock #: F284054
VIN: WBX73EF00S5284054

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, Rain Sensing Wipers, Stability Control
Seating: Memory Seat

Reviews

BMW of Fort Washington review

Great service appointment

My service advisor was Alden Miller. He was a great account manager. I had a flat tire and he got me in and out with a nice super clean car wash. I love this BMW branch. Thank you.

Vehicle information

Ext. color: San Remo Green Metallic
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 24-33
Fuel type: Gasoline
Transmission: 7-Speed Automatic
Engine: 2L I-4 port/direct injection, DOHC, variable valve control, inte
Stock #: F271217
VIN: WBX73EF03S5271217

Features

Convenience: Heated Seats, Keyless Entry, Keyless Start, Navigation System, Power Liftgate, Remote Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, HomeLink, 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, Rain Sensing Wipers, Stability Control
Seating: Memory Seat

Reviews

BMW of Fort Washington review

Wonderful service !

Wonderful service ! Professional and friendly staff! I am very grateful to Britiny who was very helpful by providing suggestion and information for our future service. Yanping

Vehicle information

Ext. color: Storm Bay Metallic
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 24-33
Fuel type: Gasoline
Transmission: 7-Speed Automatic
Engine: 2L I-4 port/direct injection, DOHC, variable valve control, inte
Stock #: F272203
VIN: WBX73EF08S5272203

Features

Convenience: Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System, Power Liftgate, Remote Start
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, HomeLink, 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, Rain Sensing Wipers, Stability Control
Seating: Memory Seat

Reviews

BMW of Fort Washington review

Ben ammar is a wonderful assistant.

Ben ammar is a wonderful assistant. He is always so professional. I recommend bmw to everyone bec of the good service I get.

Vehicle information

Ext. color: Green Metallic
Int. color: Oyster
Drivetrain: All-wheel Drive
MPG: 24-33
Fuel type: Gasoline
Transmission: 7-Speed Automatic with Auto-Shift
Engine: 2.0L I4 16V PDI DOHC Turbo
Stock #: S5289008
VIN: WBX73EF07S5289008

Features

Convenience: Heated Seats, Heated Steering Wheel, Keyless Entry, Navigation System, Power Liftgate, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, Satellite Radio
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Backup Camera, Brake Assist, Rain Sensing Wipers, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Princeton BMW review

Certified Used Vehicle Purchase

Stephen, Stacey, and team were amazing and made the whole car buying experience less stressful!

Vehicle information

Ext. color: Green Metallic
Int. color: Oyster
Drivetrain: All-wheel Drive
MPG: 24-33
Fuel type: Gasoline
Transmission: 7-Speed Automatic with Auto-Shift
Engine: 2.0L I4 16V PDI DOHC Turbo
Stock #: S5280354
VIN: WBX73EF03S5280354

Features

Convenience: Heated Seats, Heated Steering Wheel, Keyless Entry, Navigation System, Power Liftgate, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, Satellite Radio
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Backup Camera, Brake Assist, Rain Sensing Wipers, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Princeton BMW review

Great experience at Holman BMW

Great experience and very competitive pricing! Any questions that I had were quickly answered and when we needed to complete the deal it was a quick and painless process.

Vehicle information

Ext. color: Black Sapphire Metallic
Int. color: Red/Black Bicolor
Drivetrain: All-wheel Drive
MPG: 24-33
Fuel type: Gasoline
Transmission: Automatic
Engine: Intercooled Turbo Premium Unleaded I-4 2.0 L/122
Stock #: X25010
VIN: WBX73EF05S5052176

Features

Convenience: Automatic Parking, Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System, Power Liftgate, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, Satellite Radio
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Stability Control
Seating: Memory Seat

Reviews

BMW of the Main Line review

Excellent experience

Found exactly the car I wanted and the sales process was easy. The sales person Derreck was fantastic through the entire process. Facility was spotless as was the car when we finally got it.

Vehicle information

Ext. color: Jet Black
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 24-33
Fuel type: Gasoline
Transmission: 7-Speed Automatic with Auto-Shift
Engine: 2.0L I4 16V PDI DOHC Turbo
Stock #: WB25487
VIN: WBX73EF08S5277725

Features

Convenience: Adaptive Cruise Control, Heated Seats, Heated Steering Wheel, Keyless Start, Navigation System, Power Liftgate
Entertainment: Android Auto®, Apple CarPlay®, Bluetooth®, Satellite Radio
Exterior: Alloy Wheels
Safety: Automatic Emergency Braking, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Flemington BMW review

Great Experience Purchasing Hybrid X5

We were on the hunt for a hybrid X5 with the head's up display which was deceptively difficult to find. We live in Brooklyn and called around and finally connected with Vince who informed us he had a hybrid in the queue and helped us build out the car to the exact specifications we wanted. The actual purchasing process was incredibly smooth thanks to Kursad and Noha. After a not so great experience with a dealership in Westchester, it was a huge relief to have such a pleasant and friendly experience with this team. We picked up our car over the weekend and couldn't be happier with both the car and the process at Flemington. I can't recommend them highly enough.

Vehicle information

Ext. color: Space Silver Metallic
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 24-33
Fuel type: Gasoline
Transmission: Automatic
Engine: Intercooled Turbo Premium Unleaded I-4 2.0 L/122
Stock #: X25104
VIN: WBX73EF01S5163341

Features

Convenience: Automatic Parking, Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System, Power Liftgate, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, Satellite Radio
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Stability Control
Seating: Memory Seat

Reviews

BMW of the Main Line review

QUEENLOIS

I had my license for about a year now and I don't have a car and I want a car so badly and I want to win something cuz I'm having very bad luck in 2020

Vehicle information

Ext. color: Mineral White Metallic
Int. color: Mocha
Drivetrain: All-wheel Drive
MPG: 24-33
Fuel type: Gasoline
Transmission: 7-Speed Automatic with Auto-Shift
Engine: 2.0L I4 16V PDI DOHC Turbo
Stock #: WB25454
VIN: WBX73EF01S5269949

Features

Convenience: Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System, Power Liftgate, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, HomeLink, Satellite Radio
Exterior: Alloy Wheels, Sunroof/Moonroof, Tow Hitch
Safety: Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Stability Control
Seating: Leather Seats, Memory Seat

Reviews

Flemington BMW review

Flemington BMW

Absolutely a great experience! Vince knew exactly what I wanted in a BMW. Right down to the tanzanite blue.... Barry patiently explained the “workings “ of my car. Very knowledgeable and friendly. Noha’s professionalism in completing the financial piece of my purchase was exceptional.

Vehicle information

Ext. color: Alpine White
Int. color: Mocha
Drivetrain: All-wheel Drive
MPG: 23-31
Fuel type: Gasoline
Transmission: Automatic
Engine: Intercooled Turbo Premium Unleaded I-4 2.0 L/122
Stock #: X25199
VIN: WBX13EF07S5235553

Features

Convenience: Automatic Parking, Heated Seats, Heated Steering Wheel, Keyless Entry, Keyless Start, Navigation System, Power Folding Mirrors, Power Liftgate, Remote Start
Entertainment: Apple CarPlay®, Bluetooth®, HomeLink, Premium Sound System, Satellite Radio
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Backup Camera, Blind Spot Monitor, Brake Assist, LED Headlights, Lane Departure Warning, Rain Sensing Wipers, Stability Control
Seating: Memory Seat

Reviews

BMW of the Main Line review

Any BmW

Best dealership I ever been too I would recommend anyone to visit this dealership the employees was. Very friendly and polite from the time I walked through the door they was there to meet my needs

Vehicle information

Ext. color: Black Sapphire Metallic
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 24-33
Fuel type: Gasoline
Transmission: 7-Speed Automatic
Engine: 2.0L I4 16V TwinPower Turbo
Stock #: S5098891
VIN: WBX73EF06S5098891

Features

Convenience: Heated Seats, Keyless Entry, Navigation System, Power Liftgate
Entertainment: Apple CarPlay®
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Backup Camera, Brake Assist, Rain Sensing Wipers, Stability Control
Seating: Memory Seat

Reviews

BMW of Mt. Laurel review

Buying a BMW with Holman of MT. Larel

The staff went above and beyond to a loud me to purchase my BMW. I would recommend them to everyone . Holman of MT. Laurel really did care.

Vehicle information

Ext. color: White Metallic
Int. color: Red/Black Bicolor
Drivetrain: All-wheel Drive
MPG: 24-33
Fuel type: Gasoline
Transmission: 7-Speed Automatic
Engine: 2.0L I4 16V TwinPower Turbo
Stock #: S5251834
VIN: WBX73EF04S5251834

Features

Convenience: Heated Seats, Heated Steering Wheel, Keyless Entry, Navigation System, Power Liftgate, Remote Start
Entertainment: Apple CarPlay®
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Backup Camera, Brake Assist, Rain Sensing Wipers, Stability Control
Seating: Memory Seat

Reviews

BMW of Mt. Laurel review

Sebastian was professional and attentive.

Sebastian was professional and attentive. He answered all of my questions and kept me informed with regards to the vehicle status. I will definitely recommend BMW of Mount Laurel.

Vehicle information

Ext. color: Black Sapphire Metallic
Int. color: Oyster
Drivetrain: All-wheel Drive
MPG: 24-33
Fuel type: Gasoline
Transmission: 7-Speed Automatic
Engine: 2.0L I4 16V TwinPower Turbo
Stock #: S5287306
VIN: WBX73EF05S5287306

Features

Convenience: Heated Seats, Heated Steering Wheel, Keyless Entry, Navigation System, Power Liftgate, Remote Start
Entertainment: Apple CarPlay®
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Backup Camera, Brake Assist, Rain Sensing Wipers, Stability Control
Seating: Memory Seat

Reviews

BMW of Mt. Laurel review

Thomas and Joseph was the best !

Thomas and Joseph was the best !! Couldn?t had a better experience at BMW without them .. so grateful for the both of them for making my experience the best one ever !!

Vehicle information

Ext. color: Blue
Int. color: Oyster
Drivetrain: All-wheel Drive
MPG: 24-33
Fuel type: Gasoline
Transmission: 7-Speed Automatic
Engine: 2.0L I4 16V TwinPower Turbo
Stock #: S5284401
VIN: WBX73EF06S5284401

Features

Convenience: Heated Seats, Heated Steering Wheel, Keyless Entry, Navigation System, Power Liftgate, Remote Start
Entertainment: Apple CarPlay®, HomeLink
Exterior: Alloy Wheels, Sunroof/Moonroof
Safety: Automatic Emergency Braking, Backup Camera, Brake Assist, Rain Sensing Wipers, Stability Control
Seating: Memory Seat

Reviews

BMW of Mt. Laurel review

Very professional.

Very professional. They were fast, efficient and easy to work with. Once I made the decision to buy, they had everything organized and lined up for me.

Vehicle information

Ext. color: Black Sapphire Metallic
Int. color: Black
Drivetrain: All-wheel Drive
MPG: 24-33
Fuel type: Gasoline
Transmission: 7-Speed Automatic
Engine: 2L I-4 port/direct injection, DOHC, variable valve control, inte
Stock #: 250920
VIN: WBX73EF01S5247062

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®, Premium Sound System, 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, Rain Sensing Wipers, Stability Control
Seating: Memory Seat

Reviews

BMW of Devon review

Lou and his team saved our 8 hour trip when we blew a

Lou and his team saved our 8 hour trip when we blew a tire by hitting a major pothole mid trip!! They stayed late, were super professional and got us back on the road as quickly as possible!! Without their assistance and willingness to help us we would have been in quite a predicament. We are extremely grateful to Lou and his team.

About the 2025 BMW X1

Basics

xDrive 28i shown (base trim).

Seating
5
Door count
4
Drivetrain
All-wheel drive
Combined MPG
28
Transmission
7-Speed A/T
Engine
241.0-hp, 2.0-liter, 4 Cylinder Engine (Gasoline Fuel)
Side view of the 2025 BMW X1
FAQs

How much does the 2025 BMW X1 cost?

The 2025 BMW X1 price depends on trim level and optional features. Prices typically start at $41,350 and go as high as $50,800 for fully loaded models.

What is the MPG of the 2025 BMW X1?

The 2025 BMW X1 offers up to 24 MPG in city driving and 33 MPG on the highway for a combined rating of 28 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 trim, driving conditions, driving habits, vehicle maintenance, and other factors.

Is the 2025 BMW X1 reliable?

The 2025 BMW X1 has an average reliability rating of 5 out of 5 according to Cars.com consumers. Find real-world reliability insights within consumer reviews from 2025 X1 owners.

Is the 2025 BMW X1 a good SUV?

Below are the Cars.com consumer ratings for the 2025 BMW X1.

(1 review)
Rating breakdown (out of 5):
  • Comfort 5.0
  • Interior 5.0
  • Performance 5.0
  • Value 5.0
  • Exterior 5.0
  • Reliability 5.0
Ratings (1 review)

100% of drivers recommend this car

Rating breakdown (out of 5):
  • Comfort 5.0
  • Interior 5.0
  • Performance 5.0
  • Value 5.0
  • Exterior 5.0
  • Reliability 5.0
Trims

M35i (1 style)

Style
M35i Sports Activity Vehicle
Inventory price
Starting at $50,800
Combined MPG
26
Engine
312.0-hp, 2.0-liter, 4 Cylinder Engine (Gasoline Fuel)

xDrive28i (1 style)

Style
xDrive28i Sports Activity Vehicle
Inventory price
Starting at $41,350
Combined MPG
28
Engine
241.0-hp, 2.0-liter, 4 Cylinder Engine (Gasoline Fuel)

*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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