Buyer Rebate Estimator
When a seller offers to pay a buyer-agent fee, KAT Realty keeps a flat $4,999 and returns the rest to you at closing. Enter a price and the offered fee to see your estimated rebate.
Your purchase
How a buyer rebate works in Texas
When you buy a home, the seller or builder usually offers a fee to the buyer's agent — commonly 2–3% of the price. A traditional agent keeps all of it. KAT Realty keeps a flat $4,999 and returns the remainder to you as a rebate on the closing statement. On a $500,000 home with a 3% fee that's $15,000 offered, $4,999 to KAT, and $10,001 back to you.
Rebates are legal and lender-friendly
Buyer rebates are legal in Texas and permitted by TREC as long as they are disclosed to all parties. Lenders — including FHA, VA and conventional — allow the rebate to be applied toward your closing costs and prepaids on the settlement statement. If the rebate exceeds your closing costs, the remainder can often be used to buy down your rate or reduce the purchase price; we coordinate the mechanics with your lender before you go under contract.
New construction rebates
Texas builders typically pay 2–4% to the buyer's agent and rarely reduce the price for unrepresented buyers. Registering KAT Realty as your agent on your first visit to the sales office protects your rebate — most builders will not honor a buyer's agent added later.
Frequently asked questions
Is a buyer rebate legal in Texas?
Yes. Texas allows real estate rebates to buyers; they must be disclosed to all parties to the transaction, which we handle in the contract paperwork.
How do I receive the rebate?
Typically as a credit on your closing statement toward closing costs, prepaids or rate buydown, subject to your lender's guidelines. Any timing details are confirmed before closing.
What if the seller offers no buyer-agent fee?
Then there is no rebate on that deal and our $4,999 flat fee is paid by you at closing — still far less than a percentage-based agent on most homes. We negotiate seller-paid fees into your offer whenever possible.
Is the rebate taxable?
The IRS treats buyer rebates as a reduction of your purchase price, not income. Confirm with your tax advisor.
Do I get less service because of the rebate?
No. You get full buyer representation — search, showings, offer strategy, negotiation, inspections and closing — from one licensed agent.
Related calculators
KAT Realty Group is a full-service flat fee real estate service: buyer representation for $4,999 and seller listing for $5,999, serving Austin, Dallas–Fort Worth, Houston, San Antonio and all of Texas. See all calculators or request a consultation.