Up to 1% cash back for eligible SoCal buyers · (949) 379-5320 · DRE #02232009 · See your rebate →
Rebate & Cash Back · Free Calculator

Buyer rebate calculator: how much cash back?

Slide to your target price and see your estimated rebate — up to 1% of the purchase price back at closing — plus the commission breakdown behind it and how to take it: cash, credit, or buydown.

DRE #02232009 · Licensed CA brokerageUp to 1% of priceNo cap on rebate$0 extra cost
Quick answer

Your buyer rebate is up to 1% of the purchase price, returned at closing. On a $1,200,000 home that's about $12,000; on $2,000,000 about $20,000. The seller commonly offers ~2.5% to the buyer's agent, Portfolio Home Realty keeps 1.5% to operate, and up to 1% comes back to you — as cash, a closing-cost credit, or a rate buydown. Use the calculator below, then get your exact number confirmed for your deal.

Buyer rebate calculator

Move the slider to your target price to see roughly how much cash back you'd receive at closing — and where that money comes from.

How much cash back?

$12,000
Cash back at closing — up to 1% of the purchase price
Seller offers buyer agent (≈2.5%)$30,000
Brokerage keeps (1.5%)$18,000
You get back (up to 1%)$12,000

Estimate only. Actual rebate is up to 1% of the purchase price, subject to lender approval and the seller offering buyer-agent compensation. Seller commission shown (2.5%) is a common SoCal example and varies by transaction. Not a guarantee of a specific amount. DRE #02232009.

Get my exact number →

Cash back by price tier

Because the rebate is a percentage of the price, it grows with the home. Here's what up to 1% looks like across common SoCal price points:

Purchase priceUp to 1% rebateCommon SoCal fit
$650,000~$6,500Condos, Long Beach, SGV
$900,000~$9,000Irvine, Culver City
$1,200,000~$12,000Huntington Beach, Pasadena
$2,000,000~$20,000Santa Monica, Manhattan Beach
$3,500,000~$35,000Newport Beach, Malibu
$6,000,000~$60,000Beverly Hills estates

No cap on the rebate. Amounts are estimates, not guarantees. See how the 1% rebate works and where the money comes from.

How the calculator works

It's simple math with one honest assumption. We take your price and calculate 1% of it — that's the maximum rebate. The breakdown shows the typical commission flow behind it: the seller commonly offers around 2.5% to the buyer's side, we keep 1.5% to run the brokerage, and up to 1% comes back to you. Your actual seller-offered compensation and lender rules can shift the exact figure, which is why the final number gets confirmed once you're in a deal.

Which option nets you the most?

The best way to take your rebate depends on your goals and your lender:

  • Cash at closing puts money in your pocket — cleanest on cash purchases.
  • Closing-cost credit lowers what you bring to the table, useful if you're tight on cash to close.
  • Rate buydown can lower your monthly payment for the life of the loan, which may beat cash over several years.

Not sure? We'll model all three against your closing costs and rate before you commit. Start with a free pre-approval so we know your loan terms.

Frequently asked questions

How much cash back will I actually get?
Up to 1% of the purchase price. On a $1,200,000 home that's about $12,000. The exact figure depends on the seller offering buyer-agent compensation and your lender's rules, confirmed once you're in a transaction.
Is the rebate really no extra cost to me?
Yes. It comes out of the buyer-agent commission that's already part of the deal, typically funded on the seller's side. You don't pay anything extra to receive it.
Can I use the rebate on a $1 million or higher home?
Absolutely — there's no cap. On higher-priced SoCal homes the rebate is larger because it scales with price. A $3.5M purchase is up to about $35,000 back.
Does the calculator guarantee my rebate amount?
No. It's an estimate based on up to 1% of price and a common 2.5% seller offer. Your real number depends on the specific transaction and lender approval.
Can the rebate lower my monthly payment?
Yes, if applied as a rate buydown. That uses the rebate to reduce your interest rate, which can lower your payment for the life of the loan. We'll compare it to taking cash.
How do I lock in my rebate?
Sign a buyer-representation agreement before touring so it's in writing, and connect with us before visiting new construction. Then it's applied at closing.

Get your exact rebate number

Tell us your target price and lender and we'll confirm your rebate — and show cash vs. credit vs. buydown.

Disclaimer: Portfolio Home Realty is a licensed California real estate brokerage (DRE #02232009) serving Los Angeles County and Orange County. The buyer rebate is a portion of the buyer-side commission returned to eligible buyers at closing and is generally up to 1% of the purchase price, subject to lender approval and the seller offering buyer-agent compensation. Dollar figures on this page are illustrative estimates, not guarantees. This page is general information, not legal, tax, or lending advice — consult your CPA, attorney, or lender about your situation. Equal Housing Opportunity.