See your potential closing credit in 20 seconds
Built for self-directed buyers who want sharp negotiation and real risk protection.
- Clear, written compensation terms
- Credit applied through escrow
- Shown on the Closing Disclosure
- Subject to lender and transaction rules
*Buyer closing credits are applied through escrow and reflected on the Closing Disclosure. Credit equals 50% of Zenify’s brokerage compensation, if any, and is subject to lender approval, transaction terms, and applicable law.
Quick estimate. We assume 2.5% buyer-agent compensation and a 50% credit of our compensation.
Enter a purchase price to see your estimate.
Credits are applied through escrow and shown on the Closing Disclosure. Allowable amounts vary by loan type and lender guidelines.
What this actually means
A buyer closing credit reduces eligible closing costs and is applied through escrow. If Zenify is compensated through the transaction, we credit 50% back to you at closing, where permitted.
Clear documentation. No side payments.
Structured inside the transaction.
We stay conservative to avoid surprises.
Built for how people buy homes now
Buyers find homes online. What still matters is pricing, risk, and negotiation.
Hyper-local pricing so you don’t overpay—or miss a deal.
Line-by-line review to surface issues that affect real cost.
Terms and strategy that win without reckless bidding.
How it works
Representation and compensation are agreed to in writing up front.
Compensation is addressed as part of the offer—not assumed.
50% is credited back at closing, subject to lender and escrow rules.
FAQs
Is this legal in California?
Yes. Buyer closing credits are permitted when disclosed, handled through escrow, and approved by the lender.
Can this reduce my down payment?
Usually no. Credits typically apply to eligible closing costs.
What if my lender limits the credit?
We structure credits conservatively and adjust early if needed.
Do I have to use the credit?
No. It’s optional and we’ll walk through what makes sense.
Buyer Closing Credit Disclosure: Buyer closing credits are applied through escrow and reflected on the Closing Disclosure. Credit equals 50% of Zenify’s brokerage compensation, where permitted, and is subject to lender approval, transaction terms, and applicable law.
Buyer Closing Credit Calculator
Estimate your credit →