Just recently happened to me: I was on final to a paved runway and just before the threshold, my daughter told me she was seeing a skydiver above us through the small top windows (C-152). That was a bit of surprise, but I guess it is safer to have the parachutist above me, with the canopy deployed.
Nevertheless the skydivers' landing zone was very near to of opposite runway thresholds, would have made an interesting situation if I go around for some reason.