Comparison
Standard split team
$96,000 est. cash to close
Typical estimate without Jonathan's programs.
Realtor and Loan Originator
See the dollars in your pocket
Portals show homes. This shows how much cash you actually keep (or need) when you work with a dual Realtor and Loan Originator who has real programs for Tampa Bay families. These are educational estimates only, not a loan quote. $17.8+ million in sales.
What this page compares
This is an educational cash-to-close comparison for Tampa Bay buyers and sellers. It models Buyer Credit, List + Buy, the lender buy-before-you-sell fee, and Homes for Heroes against a typical split team and a portal-style path. It is not a loan quote. Book a strategy call or apply for a loan.
Want to buy your next home before you sell the one you're in?
This compares a regular contingent offer with the lender buy-before-you-sell path. The 2.4% is a lender program fee on the sale of your current home, not a brokerage commission. It lets you write a stronger, non-contingent offer so you can move once and sell your house vacant.
Comparison
Typical portal-style path
$96,000 est. cash to close
Typical estimate without Jonathan's programs.
Your pocket
Working with Jonathan
$104,000 est. cash to close
- Buyer Credit (20% of buyer-side commission) −$1,600
- 2.4% lender program fee +$9,600
Includes Buyer Credit and the 2.4% program fee
Clean offer. Move once. Sell vacant.
| Path | Est. cash to close |
|---|---|
| Standard split team | $96,000 |
| Typical portal-style path | $96,000 |
| Working with Jonathan | $104,000 |
Email this comparison to yourself
- These numbers are educational estimates only, not a loan quote or commitment to lend. Real estate is through Realty of America. Lending is through PMF, Inc. They are separate companies. Buyer Credit is 20% of the buyer-side commission that is actually available.
Questions people ask
- What does the program savings comparison show?
- It estimates cash to close or net proceeds under a typical split team, a portal-style path, and working with Jonathan as Realtor and Loan Originator. Figures are educational estimates, not a loan quote.
- Can I use another agent or another lender?
- Yes. You can use another agent or another lender. Realty of America and PMF, Inc. are separate companies. Using Jonathan on one side does not require using him on the other.
- What is Buyer Credit?
- Buyer Credit is 20% of the buyer-side commission that is actually available. The working assumption is 3% signed. There is no dollar floor. It is an educational estimate, not a promise of credit.
- Can Homes for Heroes stack with other programs?
- No. Homes for Heroes is exclusive. If it applies, Buyer Credit, List + Buy, and the 2.4% lender buy-before-you-sell fee do not. Confirm eligibility at consult.
- Is the 2.4% buy-before-you-sell fee a commission?
- No. The 2.4% is a lender program fee on the sale of the current home, not a brokerage commission. Apply for a loan at jonathanloescher.com/apply.
Browse Tampa Bay homes or read about Jonathan.