Homa vs. KAT Realty Group: Which Returns More to Texas Homebuyers?
Short answer: Homa and KAT Realty Group both return seller-paid buyer-agent commission to Texas homebuyers at closing. Homa keeps 1% of the purchase price, with a $4,995 minimum. KAT Realty Group keeps a $4,999 flat fee (homes under $900,000; higher-priced homes have their own fixed fee). Which returns more depends on the price: the two fees are within a few dollars of each other under $500,000, and the flat fee returns more as the price rises, $2,501 more at $750,000, assuming a 3% seller-paid commission. Homa includes home tours; with KAT Realty Group, showings are booked in our Store, from $60. Every rebate is subject to lender approval.
How does Homa charge?
Homa Realty, Inc. is a licensed Texas brokerage (TREC #9016739) that began serving Texas in June 2026. Buyers search, analyze homes and write offers in its app, with AI tools and licensed in-house agents.
- Fee: 1% of the purchase price, $4,995 minimum, paid only if you close.
- Credit: the rest of the buyer-agent commission comes back to you at closing. Homa advertises up to 2% and calls the figure an estimate that depends on what the seller side pays, the final price and your lender's limits.
- Tours: unlimited, at no extra cost, with a licensed showing agent.
- Offer and closing: a licensed Homa agent submits and negotiates the offer; a transaction coordinator handles the steps to closing.
How does KAT Realty Group charge?
KAT Realty Group is a full-service flat fee real estate service operating under Texas Ally Real Estate Group, a licensed Texas brokerage. The buyer fee is $4,999 (homes under $900,000; higher-priced homes have their own fixed fee). Buyers pay nothing upfront; the fee is due at closing, only if the purchase closes.
Everything from offer to closing is included: offer strategy, negotiation, contracts, inspection review, repair negotiation and closing coordination, all handled remotely by your agent. The only things not included are showings and the final walkthrough; book those in our Store, from $60, and a licensed local agent meets you there.
Homa vs. KAT Realty Group: what you get back, by price
Assumes the seller pays a 3% buyer-agent commission. Many sellers pay less, and some pay none; ask before you write the offer.
| Home price | 3% commission | Homa keeps | Homa credit | KAT Realty fee | KAT Realty rebate | Difference |
|---|---|---|---|---|---|---|
| $350,000 | $10,500 | $4,995 | $5,505 | $4,999 | $5,501 | Homa +$4 |
| $450,000 | $13,500 | $4,995 | $8,505 | $4,999 | $8,501 | Homa +$4 |
| $500,000 | $15,000 | $5,000 | $10,000 | $4,999 | $10,001 | KAT +$1 |
| $600,000 | $18,000 | $6,000 | $12,000 | $4,999 | $13,001 | KAT +$1,001 |
| $750,000 | $22,500 | $7,500 | $15,000 | $4,999 | $17,501 | KAT +$2,501 |
| $899,000 | $26,970 | $8,990 | $17,980 | $4,999 | $21,971 | KAT +$3,991 |
| $1,200,000 | $36,000 | $12,000 | $24,000 | $5,999 | $30,001 | KAT +$6,001 |
| $2,500,000 | $75,000 | $25,000 | $50,000 | $6,999 | $68,001 | KAT +$18,001 |
Count the showings before you compare
The table above leaves out one cost. Homa includes tours in its fee. With KAT Realty Group, showings and the final walkthrough are booked in our Store, from $60 each.
A buyer who books ten showings and a final walkthrough spends about $660. With that counted, KAT Realty Group returns more from roughly $566,000 up. At five showings, the line is roughly $536,000.
When Homa is the better choice
- You are buying under about $500,000 and expect to tour many homes.
- You want search, AI analysis, tours and an optional in-house mortgage in one app.
- You may also buy in California or Florida. KAT Realty Group serves Texas only.
Where KAT Realty Group fits
- Higher prices. From the mid-$500,000s up, a flat fee leaves more of the commission with you, and the gap widens with price.
- One licensed agent, offer to closing. The agent who writes your offer also reviews the inspection report, negotiates repairs and takes you to closing.
- A track record in Texas. We have represented Texas buyers and sellers since 2023. From January through September 2026, 23 KAT Realty buyers received a combined $523,175 back, a median of $17,051 on a median price of $735,000.
- Mandarin. Contracts, inspection reports and lender requests explained in Mandarin or English.
- Selling too. Our listing fee is a $5,999 flat fee (homes under $900,000; higher-priced homes have their own fixed fee). Sellers pay $600 at listing signing and the balance at closing, only if the home sells.
Side by side
| Homa | KAT Realty Group | |
|---|---|---|
| Buyer fee | 1% of price, $4,995 minimum | $4,999 flat under $900,000; $5,999 from $900,000, $6,999 from $2M, $9,999 from $3M |
| Paid | At closing | At closing, only if the purchase closes |
| Home search | In the Homa app | Not included; search on any portal |
| Showings | Included | Booked in our Store, from $60 |
| Offer and negotiation | Licensed in-house agent | Your licensed agent |
| Serves | California, Florida, Texas | Texas |
| In Texas since | June 2026 | 2023 |
| Seller representation | Buyer side | Buyers and sellers |
| License to verify | Homa Realty, Inc., TREC #9016739 | Weiting Yu, TREC #787385; broker Texas Ally Real Estate Group, TREC #9001961 |
Homa details were read on tryhoma.com in November 2026. Check both companies' current terms before you sign a buyer representation agreement.
Frequently asked questions
Is Homa cheaper than a flat fee agent in Texas?
It depends on the price. Homa keeps 1% of the purchase price with a $4,995 minimum. KAT Realty Group keeps $4,999 on homes under $900,000; higher-priced homes have their own fixed fee. Under about $500,000 the fees are nearly equal and Homa includes tours. Above that, the flat fee returns more.
How much does Homa charge in Texas?
Homa's site states a fee of 1% of the purchase price, $4,995 minimum, paid when you close. The rest of the seller-paid buyer-agent commission is credited to you at closing, within your lender's limits.
What is not included in the KAT Realty Group buyer fee?
The only things not included are showings and the final walkthrough. Book them in our Store, from $60, and a licensed local agent meets you at the home. Everything else from offer to closing is handled remotely by your agent.
Are buyer rebates legal in Texas?
Yes. The Texas Real Estate Commission allows a buyer's agent to rebate part of the commission to the buyer. The rebate appears on the settlement statement, and your lender may limit how it is applied.
Does either rebate depend on what the seller pays?
Yes, both do. Each company returns the seller-paid buyer-agent commission above its own fee. If the seller pays less than 3%, the rebate is smaller. With KAT Realty Group, if the seller pays less than the flat fee, the buyer covers the difference.