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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 sale price
Retail-leg only
Prime + margin
First to second close
Cash on first close
Est. on sale price
Credits given

All-in fee stack

ComponentRateDollars
How to read the result. Under 7% is competitive for Cash Offer Plus; 7–9% is typical for iBuyers and trade-up; above 10% usually means repair deductions are doing heavy lifting. 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.

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