Buyer Savings Calculator
VroomBrick charges a 1% technology fee for the platform, paid by the seller at closing. You don’t pay a buyer’s agent commission. When a sale includes more than that for the buyer’s side, the rest can be requested as a credit toward your closing costs if the seller agrees. Commissions are negotiable, so the calculator uses an example rate. Slide to your home price to see the math.
Home price
$320,000
Where your savings come from
Here’s how the model works if the seller has agreed to a 3% buyer’s-side commission (an example rate; commissions are negotiable).
In this example, the seller pays the commissions from the sale proceeds at closing.
Traditional sale
comes back to you
With VroomBrick
You could bring this much less to closing
$6,400
A possible credit toward your closing costs, if the seller agrees and your loan program allows it.
† How seller credits work. A seller credit is negotiated and written into your purchase contract. It is limited by your loan program’s seller-concession rules and by your actual closing costs; your lender and closing attorney confirm the amount.
Assumptions: Uses a 3% buyer's-side commission as an example rate, not a standard. Figures are illustrative. VroomBrick charges a 1% technology fee for the platform, paid by the seller at closing. You don't pay a buyer's agent commission. Your credit is the buyer's-side commission the seller agreed to pay (3% in this example) less VroomBrick's 1% technology fee, and depends on the seller agreeing to the credit and your transaction terms. The seller's own listing-agent commission, if any, is separate and unchanged. Real estate agent commissions and fees are not set by law and are fully negotiable. Your seller credit cannot exceed your loan program's seller-concession limit or your actual closing costs. We're a technology platform, not a brokerage, and do not represent buyers or sellers. Available in Virginia, Maryland, and North Carolina.
Results are estimates for educational purposes only and should not be considered financial, tax, legal, or investment advice. Individual results may vary based on your specific situation. Always consult a licensed professional (attorney, CPA, or mortgage advisor) before making a financial decision. VroomBrick is a real estate technology platform, not a licensed real estate brokerage. Real estate agent commissions and fees are not set by law and are fully negotiable. Savings estimates are illustrative and based on comparisons to example commission rates; commissions are negotiable, and actual savings and costs vary by transaction, state, and individual circumstances.
What buyers get.
Buyers don’t pay VroomBrick’s fee; the seller pays it at closing, from the sale proceeds. The rest of the buyer’s-side amount can be requested as a credit toward your closing costs, if the seller agrees.
Licensed Closing Attorney
Handles contracts, title review, and settlement. Independent professional connected through VroomBrick.
Showing Agents
Independent licensed agents who get you into any home you want to see in Virginia, Maryland, or North Carolina.
Lender Connections
Pre-qualified lender partners, or bring your own lender. Use part of your credit for an interest-rate buydown if your loan allows.
Transaction Dashboard
Every milestone, document, and deadline in one place. Real-time updates, team chat, and offer modeling.
Common questions about the buyer credit
What is the buyer's-side commission?
It is the compensation, if any, paid for the buyer's side of a sale, usually agreed as a percentage of the price. There is no standard rate: commissions are negotiable, so the amount depends on the terms of each sale. The calculator uses 3% as an example you can think of as 'if a buyer's-side commission of 3% were offered.' VroomBrick charges a 1% technology fee for the platform, paid by the seller at closing. You don't pay a buyer's agent commission. If the seller agreed to more than 1% for the buyer's side, the rest can be requested as a credit toward closing.
Do I actually pay the 1% out of pocket?
No. Buyers don't pay VroomBrick's fee; the seller pays it at closing, from the sale proceeds. Your own costs are your down payment and your closing costs (lender charges, title, recording, prepaids), which your lender itemizes. Your closing attorney's fee is part of your closing costs, itemized in your closing documents.
What can the buyer credit actually be used for?
Closing costs you would otherwise pay in cash at the table: lender fees, prepaids (taxes and insurance escrow), title and settlement, and recording fees. Some loan programs also allow a seller credit to be used toward an interest-rate buydown; your lender confirms whether yours does.
What if the seller won't agree to the credit?
A seller credit is a term of the purchase contract, so it only applies if the seller agrees to it. If the seller agreed to pay buyer's-side compensation, the seller pays VroomBrick's 1% technology fee at closing and the rest can be requested as your credit. Your licensed closing attorney handles the contract terms.
How is this different from a buyer's agent rebate?
A traditional buyer's-agent rebate is a partial refund of the buyer-agent commission the agent receives. With VroomBrick there is no buyer's agent and no rebate. VroomBrick charges a 1% technology fee for the platform, paid by the seller at closing. You don't pay a buyer's agent commission. Any credit to the buyer is a seller credit written into the contract and shown on the settlement statement.
Are there caps on seller credits?
Yes. Your loan program (conventional, FHA, VA, USDA) limits the maximum seller concession as a percent of the home price, and your credit cannot exceed your actual closing costs. Your lender and closing attorney will confirm the cap for your specific loan before the credit is finalized.
Ready to run your numbers?
Create a VroomBrick account and start your transaction with a licensed closing attorney, showing agents, and lender connections. Buyers don’t pay VroomBrick’s fee; the seller pays it at closing.