Get a Home Buyer Rebate Up to $65,000
Your agent shares their commission with you at closing. Use it to offset high rates, boost your down payment, or pocket the cash. Our average buyer saves over $10,000.
Your Rebate Estimate
Estimate only. Final rebate depends on state, commission, and lender rules.
Claim Your Rebate — Get StartedLock In Your Rebate Before You Sign a Buyer Agent Agreement
Most buyer agent agreements lock you into paying full commission with no rebate. Talk to us first — we'll show you how much you could save.
Buying a Home in 2026? Rates Are Still High.
Here's the thing most buyers don't realize: your agent's commission is already baked into the deal. That money is sitting on the table whether you take it or not.
With a HomeRise buyer rebate, a top-performing agent shares up to 50% of their commission directly with you at closing. That's real money — $6,000 to $45,000 depending on your purchase price — going right back into your pocket instead of disappearing into fees.
Use it to buy down your interest rate, increase your down payment, cover closing costs, or just keep the cash.
How Your Buyer Rebate Works
Four steps. No surprises. You get full agent support and cash back at closing.
Schedule Your Free Call
A quick, no-commitment call to talk about what you're looking for. We match you with a top-rated agent who specializes in your target area.
Find Your Home
Your agent handles tours, sends custom listings matched to your needs, and guides you through every property until you find the one.
Make a Stronger Offer
Your rebate can work as a negotiation tool — use it to increase your offer price, boost your down payment, or outbid competing buyers.
Get Cash Back at Closing
Your rebate is applied at the closing table. No invoices, no waiting. Our buyers have received up to $45,000 back on a single purchase.
Why Buyers Choose HomeRise
Same great agents. Same home search experience. Thousands of dollars back in your pocket.
Cash Back at Closing
Receive up to 50% of your agent's commission back as cash, a closing credit, or applied to your down payment. On a $400K home, that could be $6,000 or more.
Offset Today's High Rates
Apply your rebate to buy down your mortgage rate. Even a small rate reduction on a 30-year loan saves tens of thousands over the life of the mortgage.
Strengthen Your Offer
Your rebate gives you more flexibility. Increase your offer price, put more down, or cover appraisal gaps — all without spending more out of pocket.
Top-Rated Agents, No Pressure
Every HomeRise partner agent is experienced and highly rated. You get full-service representation without aggressive upselling. And you can cancel anytime.
100% Legal & Tax-Efficient
Buyer rebates are legal in 42 states and recognized by the IRS as a reduction of your purchase price — not taxable income. No loopholes needed.
Works for Investors Too
Buying an investment property? Your rebate goes straight to your ROI. Repeat buyers save even more over multiple transactions.
Real Buyers. Real Rebates.
Here's what HomeRise buyers are saying about their experience and savings.
"Professional and friendly. Would definitely recommend them to friends and family. It was smooth sailing from our first meeting. To top it off was the savings in commission!!"
"As this being my wife and I's first home, with little working knowledge about the process — working with our agent was a breath of fresh air. Knowledgeable, patient, and the rebate was a game-changer."
"Our team was very responsive and efficient, listened to and responded with solid advice to our concerns, and ultimately helped us navigate closing without any delays."
Home Buyer Rebate FAQ
Everything you need to know about getting cash back when you buy a home through HomeRise.
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What is a home buyer rebate?A home buyer rebate is a portion of the buyer's agent commission that gets returned to you — the buyer — at closing. When you buy through HomeRise, your agent shares up to 50% of their commission with you as cash back, a closing credit, or a reduction to your purchase costs. It's completely legal in 42 states and is treated by the IRS as a reduction of your home's purchase price, not taxable income.
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How much can I get back?The amount depends on the home's purchase price and the commission offered by the seller. On a $400,000 home with a 3% buyer agent commission, you could receive up to $6,000 back. HomeRise buyers have received rebates as high as $45,000 on higher-priced properties. Use our calculator above for a quick estimate based on your situation.
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Which states allow home buyer rebates?Buyer rebates are legal in 42 states plus Washington D.C. The states that currently prohibit rebates are Alabama, Alaska, Kansas, Mississippi, Missouri, Oklahoma, Oregon, and Tennessee. If you're in a restricted state, HomeRise offers an Agent Match program as an alternative. Regulations can change, so check with us for the latest information in your state.
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Do I still get a full-service agent?Yes — that's the whole point. HomeRise partner agents are experienced, highly rated professionals who handle everything: home tours, custom listing alerts, offer strategy, negotiations, and closing coordination. The rebate comes from the agent's side, not yours. You're not getting a lesser service. You're just keeping more of the money that was already in the transaction.
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Is a buyer rebate taxable?In most cases, no. The IRS treats buyer rebates as a reduction of your home's purchase price rather than income. So if you buy a $400,000 home and receive a $6,000 rebate, your cost basis is adjusted to $394,000. That said, tax situations vary — we recommend consulting your tax advisor for your specific circumstances.
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How does a buyer rebate work after the NAR settlement?The 2024 NAR settlement changed how buyer agent commissions are negotiated, but it actually makes rebates more relevant. Buyers now have more transparency into what agents earn, and commission structures are more negotiable than ever. HomeRise agents work within the new rules — when a seller offers a buyer agent commission, your agent shares a portion with you. If the seller doesn't offer a commission, we help you negotiate the best terms and still look for ways to save you money.
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Can I use my rebate to buy down my interest rate?Yes, and this is one of the smartest ways to use it. Applying your rebate as a closing credit toward mortgage points can reduce your interest rate, which saves you money every single month for the life of the loan. On a $400,000 mortgage, even a 0.25% rate reduction can save you over $20,000 in interest over 30 years. Your lender can walk you through the exact numbers based on your loan.
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What's the catch?There isn't one. No required services, no upfront costs. You can cancel anytime if you're not happy. The rebate comes from the agent's commission — money that was already part of the transaction. HomeRise agents are willing to share it because our model generates higher volume. More buyers, smaller margin per deal, everyone wins.
Home Buyer Rebates by State
Buyer rebates are legal in 42 states. Here's where you can save.
States where rebates are prohibited offer our Agent Match program instead. Regulations change — contact us for the latest in your area.
Don't Leave Money on the Table
Your rebate is waiting. One quick conversation is all it takes to lock in thousands back at closing.
Talk to Our TeamNo commitment required. Cancel anytime.
Buyer rebate availability and amount varies by state, county, property type, and commission amount offered by seller. Buyer rebates are prohibited in Alabama, Alaska, Kansas, Mississippi, Missouri, Oklahoma, Oregon, and Tennessee — Agent Match available instead. The final rebate value may be affected by state regulations, local real estate commission rules, and lender guidelines. Some lenders may restrict how rebates can be applied to your purchase. Rebates cannot be combined with other offers and may be subject to minimum commission amounts. Contact HomeRise for specific details about rebate availability in your area and transaction. HomeRise is a service of Houwzer, Inc. © Houwzer, Inc. All Rights Reserved.
