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Buyer Edge CASH BACK OR LOWER RATE · YOUR CHOICE.

Your Rebate & Cost
Calculator

Adjust the sliders to see exactly how much you could receive back at closing — as cash, or applied to buy down your mortgage rate.

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Fetching live rate…
1
Source — Freddie Mac Primary Mortgage Market Survey (PMMS)
Every Thursday, Freddie Mac publishes the national average 30-year fixed mortgage rate, compiled from thousands of loan applications submitted by lenders across the country. This is the most widely cited benchmark for U.S. mortgage rates.
2
The problem with PMMS — it may include discount points
Since November 2022, Freddie Mac no longer reports how many discount points are baked into the PMMS rate. Discount points are upfront fees a borrower pays at closing to buy down their interest rate — typically 1 point (1% of the loan) reduces the rate by ~0.25%. A rate that includes points is lower than what a borrower would receive with zero points paid.
3
Our adjustment — +0.20% to approximate a no-points rate
To give you a realistic starting point that reflects what most borrowers actually pay at closing with no discount fees, we add 0.20% to the PMMS rate. This adjustment is consistent with the historical spread between the PMMS rate and no-points rate quotes observed in the market.
Display Rate  =  Freddie Mac PMMS Rate  +  0.20%

BuyerEdge Flat Fee Schedule — Your rebate = 100% of buyer's agent commission minus the flat fee.

Current tier: $5,000 flat fee (under $1M)

Under $1M: $5,000  ·  $1M–$2M: $10,000  ·  $2M–$3M: $15,000  ·  $3M+: $20,000

Your Cash Rebate at Closing
$10,000
Commission Paid
$12,500
BuyerEdge Flat Fee
$5,000
Net to You
$7,500
💵  How you receive it: Cash buyers receive a check at closing directly from the settlement agent. The rebate is credited on your closing disclosure (CD) and delivered at or after closing. No rate buydown required — the full rebate comes directly to you.
Your Results
Your Estimated Rebate at Closing
$7,500
100% of $12,500 commission − $5,000 flat fee
Purchase Price $500,000
Gross Commission (2.50%) $12,500
BuyerEdge Flat Fee − $5,000
Net Rebate to You $7,500
Loan Amount $400,000
Points Purchased (Approximation) 1.88 pts
Rate Reduction − 0.469%
New Rate (after buydown) 6.531%
📉
Monthly Savings
$163
per month vs. no buydown
💰
30-Year Savings
$58,680
total interest saved
🏠
Without BuyerEdge
$2,661/mo
at original rate
✅
With BuyerEdge Rebate
$2,498/mo
at bought-down rate
30-Year Total Interest Paid
Without Rebate
$557,960
With BuyerEdge Rebate
$499,280
⚠ Rate buydown disclosure: Calculator estimates are for illustrative purposes. Actual rebate depends on seller-offered commission, which varies by transaction. Rate buydown assumes 1 point = 0.25% rate reduction; actual lender pricing may vary. Consult your lender and agent for precise figures. BuyerEdge flat fee: $5,000 (under $1M) · $10,000 ($1M–$2M) · $15,000 ($2M–$3M) · $20,000 ($3M+). Cash buyers receive a check at closing; financed buyers apply rebate per lender guidelines toward closing costs, prepaids, or rate buydown.
Loan Amount
$400,000
Rate Reduction
−0.469%
Total Interest Saved
$58,504
Year Balance (Start) Interest w/o Rebate Interest w/ Rebate Annual Saving Cumulative Saved
Interest figures are annual totals from full amortization schedule. Rate buydown assumes 1 discount point = 0.25% rate reduction. Actual lender pricing varies.
🏠 About In-Person Showings (Rebate Option) Your agent will accompany you on up to 4 in-person showings. Need to see more? Your agent can accommodate additional showings at their discretion. You'll have full support every step of the way — scheduling, offer preparation, and everything through closing.

Ready to claim your rebate?

Get matched with a BuyerEdge agent — free, no obligation.

Claim Your Rebate
A few quick details and we'll match you with a vetted BuyerEdge agent — free, no obligation.
Your Rebate
$10,000
Your Information
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760+ Excellent
720–759 Very Good
680–719 Good
640–679 Fair
Below 640
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✨  A little more about you — helps us find your best match
Property type I'm looking to buy
Single Family
Multi-Family
Condo / Co-op
Townhome
How I plan to use the home
Primary Residence
Second Home
Investment Property

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We're On It!
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$10,000
A BuyerEdge partner agent in your area will reach out within one business day to confirm your match and walk you through next steps. Your rebate is reserved — no commitment required.

How It Works

We have negotiated significantly lower Buyer Agent Commission options on your behalf.

  1. 1
    select option

    Select Option

    Select to pay your agent a 1.5% commission or work with an agent who will Rebate you 100% of the Seller Paid Buyer Agent Commission (offered or negotiated) minus a $5,000 Flat Fee.

  2. 2
    Create Your Free Account

    Create Your Free Account

    Create an account to get started with the service.

  3. 3
    Confirm you are Pre-Approved

    Confirm you are Pre-Approved

    If you need a pre-approval you can complete a no cost, no obligation and no hard credit check application with our featured lender.
    If you already have a pre-approval no need to apply again.

  4. 4
    Sign Buyer Agent Agreement

    Sign Buyer Agent Agreement

    Review and sign agreement via DocuSign and we will match you with an available agent in your desired market who has agreed to work for your selected payment/rebate option.

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Your Rebate $7,500 scroll down for details ↓