Home/Calculators/Program fee
Fee decoder

Program-fee estimator

Every program's fee sheet is layered: advance, service fee, commission on the retail leg, carry. Enter the published terms. We'll collapse them into a single all-in percentage you can compare directly.

Program's valuation
On appraised value
Retail-leg only, on appraised value
Prime (~7.25–7.50%) + margin; institutional carry ~8–9%
First to second close
Cash on first close
Est. on sale price
Credits given

All-in fee stack

ComponentRateDollars
How to read the result. Rough benchmarks: iBuyer all-in typically 9–13% (service fee + commission on retail + repair deductions + price gap); Cash Offer Plus 5–8%; trade-up/bridge 2–4% (bridge fee only, excluding carry). Compare apples to apples by using each program's actual advance, carry, and repair terms — not their headline fee.
Don't see carry on the fee sheet? It's there — usually in a section titled “Advance terms” or “Interim period.” Interest from first close to second close is the most commonly hidden component.

Got a specific offer sheet in hand?

Share it. We'll decode it and benchmark it against comparable programs in your state.

Get matched