Home buyer rebates in Missouri
Missouri restricts or prohibits a broker paying a cash rebate directly to a buyer. Your Step 2 scripts automatically route the same 1.5% of value through a seller concession credited toward closing costs and a permanent rate buydown instead of a cash rebate. Commission structures have shifted following recent national real-estate settlements, so rebate availability always depends on your state's regulations and your broker's own agreement. Confirm the terms in writing before signing a buyer-representation agreement.
What to do in Missouri
- Use the seller-concession version of the Step 2 script (loaded automatically).
- Ask the listing side for a closing-cost credit equal to the commission you negotiated down.
- Have your lender confirm the maximum allowable seller credit for your loan program.
What 1.5% is worth in Missouri
Estimates assume a 3% buyer-agent commission baseline negotiated down to a 1.5% cap. Actual amounts depend on your contract, lender limits, and brokerage policy. This page is general information, not legal advice.
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