Buyer Agent Commission Rebate Calculator
Estimate your commission rebate when buying with a discount buyer’s agent in NYC. The seller typically pays the buyer’s agent commission out of sale proceeds; a rebate credits part of that commission back to you at closing, reducing your effective purchase cost.
See our Real Estate Commission Calculator for the full commission breakdown, or all our calculators for the rest of the NYC buying picture.
Glossary
Yes. New York State explicitly permits real estate commission rebates to buyers, and the NY Department of State has confirmed they’re allowed as long as they’re properly disclosed. They’re typically applied as a credit at closing.
The seller pays the total commission (split between listing and buyer’s agent) out of sale proceeds, as is standard in most NYC deals. A rebate doesn’t create new money — it’s the buyer’s agent sharing part of their share of that existing commission with you.
On a very small deal, a full rebate percentage might leave the agent earning less than the deal is worth in time and cost. A minimum earnings floor guarantees the agent a baseline amount before any rebate is calculated, which mainly affects lower-priced transactions.
A commission rebate is typically applied as a seller/agent credit at closing, reducing the cash you need to bring — it does not reduce your loan amount or purchase price on the deed. Lender rules on how credits can be applied vary, so confirm with your loan officer.