Buy without a realtor
Deal directly with verified sellers, skip the buyer’s agent commission, and follow a clear path from pre-approval to keys.
Buyer’s agent commission on a typical $414,400 home
If you’d otherwise have used agents. If you hire your own agent, you’d pay them. Clever Real Estate agent survey (opens in a new tab) (Aug 2026); Redfin closed-deal commission data (opens in a new tab) (Q3 2025, published Dec 2025); NAR 2025 U.S. median existing-home price (opens in a new tab) (Jan 14, 2026).
What a buyer’s agent does
Buying without an agent works when you know who handles each part.
An agent sends you listings.
Tell us how you’ll buy and what you want. Clavesta matches you with verified homes and shows how close each one is.
An agent contacts the seller’s side.
Message verified sellers directly and schedule viewings in the app, with safety checks built into viewings.
An agent writes up your offer.
You and the seller agree on terms yourselves, with the math shown. A real estate attorney or title company prepares the contract.
An agent keeps things on schedule.
Your Deal Path guides you through every step, from inspection and appraisal to your final walkthrough: what’s next, who to contact, typical costs and times.
Three ways to buy
Buy with cash or your own lender.
A lender decides on your loan. Cash deals often close faster.
Can I get a mortgage?Take over a seller’s lower rate.
You pay the equity gap, the price minus the loan balance, in cash or with a second loan.
How assumable loans workBuy without a bank.
Usually not cheaper than a bank loan, and many notes have a balloon payment.
Buying without a bankStep by step
You stay in charge, and your Deal Path guides you through every step. Licensed pros you choose handle the regulated parts.
The full steps, with timelinesCheck what a bank might lend with the private mortgage check, get a pre-approval from a lender you choose, or line up proof of funds for cash.
Choose how you’ll buy (cash or bank loan, taking over a seller’s loan, seller financing), where and your budget.
See exact and near matches, get verified, then message sellers and schedule viewings.
Agree on price and terms with the seller. A real estate attorney or title company prepares the contract.
Order an inspection, finish your loan or assumption approval, review your closing documents, and sign with the title company or closing attorney.
Clavesta’s fees are flat and one-time. They’re never a percentage of your price and never charged at closing.
Your Clavesta fee covers verification, matching, messaging, the Deal Path that guides you through every step to the keys, and the tools.
Closing costs like title, escrow, recording, transfer taxes, lender and attorney fees are paid to the providers you choose, not to Clavesta. We show typical ranges up front so there are no surprises.
Creating an account is free. The app always shows the current price before you pay.
Yes. You can buy directly from the seller. A title company or closing attorney handles the closing, your lender handles your loan, and a real estate attorney can review your contract.
A buyer’s agent commission typically runs about 2.42%–2.70% of the price (Redfin Q3 2025, Clever Aug 2026): about $10,028–$11,189 on a $414,400 home. Buying directly, there’s no buyer’s agent commission to pay unless you choose to hire an agent.
Since August 17, 2024, buyers who work with an agent sign a written agreement with them before touring homes, and the agent’s pay is negotiated deal by deal. The buyer may pay it, or the seller may agree to contribute.
Your down payment plus closing costs. Buyers using a mortgage typically pay about 2%–5% of the price in closing costs, not counting the down payment (Freddie Mac, CFPB). Cash buyers skip lender fees.
A real estate attorney represents you if you hire one, your home inspector checks the home, and the title company confirms the seller owns it and insures your title. Every seller on Clavesta is verified. If you’d otherwise have used agents. If you hire your own agent, you’d pay them.
For buyers
Create a free account, tell us how you’ll buy (cash, a bank loan, taking over a seller’s loan or seller financing) and where you want to live. We’ll show you verified homes that fit.
Educational information, not legal, tax or financial advice. Clavesta is a technology platform, not a real estate broker, lender, mortgage loan originator, law firm or tax advisor.