Home Buyer Resources
Everything you need to know to buy a home with confidence. No agent required.
CIY is not a brokerage and can't offer specific legal, financial, or negotiation advice, but here's some general information that may help:
Cost of a Real Estate Transaction
Buying a home involves several costs beyond the purchase price. Understanding these expenses upfront helps you budget accurately and avoid surprises at the closing table.
Buyer's Agent Commission
2.5-3% of home price
On a $400,000 home, that's typically $10,000-$12,000. Buying without an agent may allow you to avoid this cost, depending on your market and transaction terms.
Closing Costs
2-5% of home price
Includes title insurance, appraisal, attorney fees, and more.
Down Payment
3-20% depending on loan type
Not a fee; this becomes your equity.
Home Inspection
$300-$500
Identifies issues before you commit.
How Buying Without an Agent May Reduce Costs
When buying without a buyer's agent, the buyer's agent commission, typically around 3% of the home price, may not apply, depending on your market and the terms of the transaction.
On a $400,000 home, that could potentially represent up to $12,000, minus the one-time CIY Package fee. Actual savings vary and are not guaranteed.
Upgrade to unlock premium resources
Get access to pre-qualification vs. pre-approval guides, offer strategies, closing cost breakdowns, non-disclosure state guides, and more with the CIY Package.
View PricingStay in the know
Get the latest home-buying tips and resources delivered to your inbox.
No spam, ever. Unsubscribe anytime.