Offer Comparison Tool
Compare offers by what the seller nets, not the headline price. Seller net = offer price minus seller concessions, commission and other closing costs. A $490,000 cash offer can net more than a $500,000 financed offer that asks for a $10,000 credit, and it closes faster with fewer contingencies.
Updated 2026. Researched guidance, not legal, tax or financial advice.
| Criteria | ||
|---|---|---|
| Offer Price | ||
| Down Payment | ||
| Financing Type | ||
| Pre-Approval Status | ||
| Earnest Money | ||
| Closing Date | ||
| Inspection Contingency | ||
| Appraisal Contingency | ||
| Additional Terms | ||
| Estimated Net to Seller | $0 | $0 |
Offer Comparison Tips
- • Price isn't everything - consider financing strength and contingencies
- • Cash offers typically close faster and have fewer complications
- • Pre-approved buyers are generally stronger than pre-qualified
- • Consider the buyer's flexibility on closing date
Worked example: two offers
Both offers assume a 5.5 percent total commission and about 1.5 percent in other seller closing costs.
| Offer A | Offer B | |
|---|---|---|
| Price | $500,000 | $490,000 |
| Financing | Conventional loan | Cash |
| Seller credit | $10,000 | None |
| Commission (5.5%) | $27,500 | $26,950 |
| Other closing costs (1.5%) | $7,500 | $7,350 |
| Seller net | $455,000 | $455,700 |
| Contingencies | Inspection, appraisal, financing | Inspection only |
| Closing | 30 days | 14 days |
Frequently asked questions
How do you compare multiple real estate offers?
Put every offer on the same sheet and compare seller net, then the risk and timing terms: financing type and down payment, contingencies and their deadlines, earnest money, closing date and any rent-back or credits. The highest price is not the best offer if its financing or appraisal risk makes it less likely to close.
Is a cash offer better than a higher financed offer?
Often, because cash removes the financing and appraisal contingencies and closes faster. Compare the nets: if the financed offer nets more after credits and costs and the buyer is strongly pre-approved with a solid down payment, it may still be the better choice. The seller decides how much certainty is worth.
Sources: Standard purchase contract terms and seller net sheet practice; figures are illustrative math, not a valuation. Researched guidance, not legal advice.
Master Lock Portable Key Lock Box
MILESEEY Laser Measure, 229 ft
STYLIO Padfolio Portfolio Binder