Buyer Information
We’ll gather goals, timeline, budget, motivation, and home search needs.
Welcome to your buyer consultation
Welcome, Jay & Martha!
Your homebuying journey starts today!
Prepared personally for you by
Your ERG Agent
1
Here’s What We’ll Cover Today
Simple, organized, and designed to help the buyer feel comfortable and confident.
Buying Process Made Simple
We’ll walk through the steps from consultation to final walk-through.
Understanding Your Costs
We’ll explain cash to close, down payment, closing costs, prepaids, and seller help.
Financing & DPA
We’ll compare loan options and down payment assistance programs.
Buyer Documents
We’ll review disclosures, buyer representation paperwork, and next-step forms.
Buyer Consultation Worksheet
About You
Buyer Information, Financing & Home Search Criteria
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Consultation Details
2
Contact Information
3
Household & Decision Makers
Children?
Pets?
4
Current Housing & Timing
Currently:
5
Financing Snapshot
Pre-Approved?
Need Seller Concessions?
First-Time Buyer?
6
Home Search Criteria
7
Motivation & Goals
8
Lifestyle & Property Needs
Work from Home?
9
Agent Consultation Checklist
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Documents / Information Needed
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Action Plan & Next Steps
Lender Introduction Sent?
Search Setup Completed?
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Consultation Notes
Homebuyer Roadmap
Buying Process Made Simple
Understanding Cash to Close
Buyer Costs Made Simple
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Down Payment
The part of the home price the buyer pays out of pocket.
Example: $200,000 home × 3.5% = $7,000 down.2
Closing Costs
Fees paid to complete the loan and purchase.
Examples: lender fees, title fees, appraisal, recording fees.3
Prepaids
Costs paid upfront before or at closing.
Examples: insurance, property taxes, and daily interest.4
Seller Concessions
Money the seller agrees to give to help cover buyer costs.
This lowers the amount of cash the buyer needs to bring.5
Cash to Close
The final amount the buyer brings to closing.
Includes costs minus seller help, credits, and assistance.Simple Example
Down Payment$7,000
+
Closing Costs$6,000
+
Prepaids$3,000
−
Seller Concessions-$5,000
=
Cash to Close$11,000
Not all buyers pay the same amount. Loan type, taxes, insurance, seller concessions, assistance, and lender requirements can change the final cash to close.
Important Client Disclosure
Buyer Consultation Disclaimer
FHA • TSAHC DPA • HUD $100 Down • Estimated Cash-to-Close & Monthly Payment Review
Empower Realty Group
Buyer Consultation Tool
Important Client Disclosure
We are licensed real estate professionals, not lenders. The figures shown in this buyer consultation tool are estimates only and are provided to help you compare potential cash-to-close and monthly payment scenarios. Any interest rates shown were provided by your lender or entered for comparison purposes; we are not quoting, locking, or guaranteeing any rate, loan term, payment, closing cost, credit, assistance amount, or approval. All figures should be verified with your lender and title company and are subject to change.
Estimates Only
Final loan terms, cash to close, monthly payment, taxes, insurance, prepaid items, escrows, title fees, seller concessions, and assistance eligibility may vary.
Verify With Lender
Your lender and title company are the final sources for accurate payment, closing cost, rate, credit, and cash-to-close information.
Subject to Change
This is not a Loan Estimate, Closing Disclosure, approval, commitment to lend, or guarantee of final loan terms.
Read-Aloud Summary
Please use this worksheet as a planning estimate only. Before relying on any number, verify the exact interest rate, closing costs, cash to close, monthly payment, credits, assistance, and loan approval terms directly with your lender and title company.
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Decision Metrics
Quickly compare the buyer’s lowest cash to close, payment, rate, and closing costs.
FHA Standard Loan Estimate
3.5% down payment with No DPA and TSAHC assistance options.
HUD $100 Down Estimate
$100 down payment option with No DPA and TSAHC assistance options.
Calculator Setup
Calculation Assumptions
These are editable assumptions used by the web calculator. The defaults match the formula pattern used in your uploaded workbook.
Client Disclaimer
We are licensed real estate professionals, not mortgage lenders. The figures shown in this buyer consultation tool are estimates only and are provided to help compare potential cash-to-close and monthly payment scenarios.
Any interest rates shown were provided by the lender or entered for comparison purposes. We are not quoting, locking, or guaranteeing any rate, loan term, payment, closing cost, credit, assistance amount, or approval.
All figures should be verified with the buyer’s lender and title company and are subject to change.