Buyer tool
Buyer Rebate Calculator
Most Greater Seattle listings still offer 2.5–3% to a buyer's agent. A flat-fee buyer's agent takes a fixed fee and rebates the rest to you at closing. Plug in any flat-fee offer to see the math.
Manaky Homes does not set agent fees. This calculator works against any flat-fee buyer-agent offer you've received or are evaluating.
Estimate only. Rebate application is subject to your lender's guidelines (most allow it toward closing costs, principal, or prepaids). Only paid if you close. Some new-construction or relocation deals have specific commission rules — confirm with your buyer's agent.
How a rebate actually works at closing
The seller-offered commission is paid out of the seller's proceeds at closing — by the listing brokerage, to the buyer's brokerage. The buyer's agent collects it, takes their flat fee, and credits the rest back to you on your settlement statement. Most lenders allow it as a credit toward closing costs, prepaids, or principal reduction.
Two things to know about lender rules
- Cash to close. Most lenders allow rebates to be applied to closing costs and prepaids. Excess is typically applied to principal or returned post-close.
- Disclosure. The rebate must be disclosed on the closing disclosure / settlement statement. The agent handles that.
New construction — register the agent first
Builders pay buyer-agent commissions out of the same budget. Just register your buyer's agent at first contact with the sales office (or before you sign anything) — that protects the rebate.
Want this in your full closing math?
Plug your numbers into the Buyer Closing Cost Estimator to see how the rebate offsets lender fees, escrow, and prepaids. Or run the mortgage calculator for monthly cost.