Redfin doesn't advertise a cash-back rebate for home buyers anymore. Sign & Save, the 0.25% refund Redfin gave buyers who signed with an agent before their second tour, no longer appears in Redfin's terms or on its savings pages[1]
Two deals have taken its place, and neither puts cash in your hand.
- Redfin cuts its listing fee to 1% if you buy and sell with it within 365 days.
- Rocket Mortgage, which bought Redfin in 2025, gives a lender credit of up to $6,000 when you buy with a Redfin agent and finance with Rocket.[2]
For a $400,000 home with 10% down, that's a $360,000 loan, so the Redfin-agent credit comes to $2,700. The catch is that Rocket already provides a $1,800 credit (0.50% of the loan amount) to borrowers who use any agent. Picking a Redfin agent adds $900 to your credit.
Clever offers a more direct option if you want cash back without a lender tie-in. Buy with a Clever partner agent in an eligible state and get $250 cash back. If you also sell with Clever, you get a 1.5% listing fee and an additional $250 in cash back, for a total of $500. Clever partner agents come from local and national brokerages, and Clever doesn't require a specific lender. Get matched with a Clever agent today.
Redfin buyer savings at a glance
| Program detail | Rocket + Redfin |
|---|---|
| Cash rebate to buyers | None advertised |
| Buying only | Lender credit of 0.75% of the loan, up to $6,000, if you use a Redfin agent and a Rocket loan |
| Buying and selling | 1% listing fee (normally 2%), plus a possible commission discount equal to your Rocket credit |
| Rocket credit without a Redfin agent | 0.50% of the loan, up to $5,000 |
| Deadline | The second transaction must close in 365 days to get the 1% discount |
| Best for | Buyers who already plan to use Rocket Mortgage and will sell a home within a year |
| Not ideal for | Buyers with a better rate from another lender, jumbo borrowers, or anyone who wants cash back |
Does Redfin still offer a buyer rebate?
No. The original Redfin Refund paid buyers a slice of Redfin's buyer-side commission, but it ended in 2022. Sign & Save launched in 2024 and paid 0.25% of the purchase price (0.5% for Redfin Premier homes). It's no longer in Redfin's disclaimers or savings pages.
The 2.5% buyer's agent fee, which dropped to 2.25% for early sign-ups, is gone, too. Redfin doesn't currently publish a standard buyer-side fee. Your agent's pay is set in the buyer agreement you sign before touring, so you can negotiate your realtor's commission just as you would with any agent. Compare what you're quoted against the average real estate commission rate in your state before you sign.
Redfin's 1% listing fee when you buy and sell
Redfin's standard listing fee is 2% in every U.S. market. If you also buy with Redfin within 365 days of your sale, the fee drops to 1%.[1]
The order matters for when you see the money:
- Buy first, then sell: You pay 1% at closing on your sale.
- Sell first, then buy: You pay 2% at closing, and Redfin mails you a check for the difference after you buy.[3]
This is the closest thing Redfin has to a refund today. It's a seller discount, so buyers who aren't selling get nothing from it.
Minimum commission requirements can wipe it out, too. Redfin's minimums run from $2,000 to $9,000, depending on the market. In Austin, the minimum is $5,500, so 1% of a $400,000 sale ($4,000) doesn't apply. You'd pay $5,500. Redfin also adds 1% to the listing fee if your buyer has no agent. Redfin Concierge listings don't qualify for the 1% fee. They get 0.5% off the 3% Concierge fee instead.
Buy your home with a top Clever agent, get up to $500 cash back.
When you buy with Clever in an eligible state, you’ll get $250 cash back. When you also sell with Clever, you can sell for just 1.5%—roughly half the traditional fee—and get another $250 cash back. That’s $500 total in cash back along with thousands saved in commission fees when you buy and sell with Clever.
Rocket Mortgage credits with a Redfin agent
Rocket's offer has three tiers:[2]
- Rocket loan, any agent: Lender credit of 0.50% of the final loan amount, up to $5,000.
- Rocket loan plus a Redfin agent: Lender credit of 0.75%, up to $6,000. You can take a 1-0 temporary buydown instead of the credit. That means your rate is one percentage point lower for the first year.
- Rocket loan, and you buy and sell with Redfin: Redfin adds a commission discount equal to your lender credit on the second transaction. That pushes the total as high as $12,000. Rocket says existing Rocket-serviced borrowers can receive up to 1.5% of the loan amount, capped at $20,000.[4]
Some fine print to be aware of: Jumbo loans don't qualify, and you can't stack the credit with other Rocket deals.
What Redfin's deals are worth on a $400,000 home
| Scenario | Savings |
|---|---|
| Rocket loan, non-Redfin agent | $1,800 lender credit |
| Rocket loan, Redfin agent, buying only | $2,700 lender credit |
| Rocket loan, buy and sell with Redfin | $2,700 credit + $2,700 commission discount = $5,400 |
| Listing fee at 1% instead of 2% | $4,000 |
This table assumes you buy a $400,000 home with 10% down ($360,000 loan) and sell a $400,000 home in a market where Redfin's minimum is below $4,000.
The Rocket credit hits its $6,000 cap at an $800,000 loan. Past that, a bigger loan doesn't earn you more.
Redfin vs. Clever for buyers
| Clever | Redfin | |
|---|---|---|
| Buyer cash back | $250 when you buy, $500 if you also sell (where rebates are legal) | None advertised |
| Listing fee | 1.5% (minimum $3,000) | 2%, or 1% if you also buy with Redfin |
| Mortgage tie-in | None required | Best savings require a Rocket loan |
| Agent choice | Agents from local and national brokerages | Redfin employees only |
Clever pays cash after closing and doesn't tie you to a lender. Redfin's numbers can be bigger, but only if Rocket is your best loan option and you're selling too. See our full Clever vs. Redfin comparison, or browse other home buyer rebates.
Is Redfin's deal worth it?
Only if Rocket is your best loan option after comparing several options. A $2,700 credit doesn't help much if Rocket's rate costs you more than that over the years you keep the mortgage. Get a Loan Estimate from at least one other lender and compare the rate and closing costs side by side.
Most of the credit comes from Rocket, not Redfin. Rocket gives 0.50% to borrowers who use any agent. It also offers up to $6,000 in credit to buyers who work with its Compass partner brands, such as Coldwell Banker, Century 21, and Sotheby's.[4]
If you're buying and selling, the terms don't say whether you get the 1% listing fee and the commission discount together. Ask your agent directly: "If I buy and sell with Redfin and finance with Rocket, do I get both the 1% listing fee and the commission discount, or only one?"
Also, make sure your agent actually works for Redfin. If Redfin refers you to a partner agent, none of these discounts apply. For more on how Redfin's agents work, read our Redfin review.
FAQ
Does Redfin give buyers a rebate?
No. Redfin no longer advertises a cash rebate for buyers. Its Sign & Save refund (0.25% of the price) no longer appears in its terms, and the Redfin Refund ended in 2022. Buyers can get a Rocket Mortgage lender credit of up to $6,000 instead.
Is the Redfin Refund still available?
No. The Redfin Refund ended in 2022. Redfin's closest program today is a 1% listing fee, down from 2%, for clients who buy and sell with Redfin within 365 days. If you sell first, Redfin charges 2% and mails you a check for the 1% difference after you buy.
How much cash back can I get from Redfin?
Redfin doesn't pay buyers cash back. With a Redfin agent and a Rocket loan, you can get a lender credit of 0.75% of the loan, up to $6,000. On a $360,000 loan, that's $2,700.
How does the Rocket Mortgage and Redfin discount work?
Finance with Rocket and you can get a 0.50% lender credit, up to $5,000. Add a Redfin agent and it rises to 0.75%, up to $6,000. If you also sell with Redfin, Redfin adds a matching commission discount on the second deal, for up to $12,000 total. That second deal must close by Dec. 31, 2026.
Can I take a lower rate instead of the Rocket credit?
Yes. Instead of the lender credit, you can choose a 1-0 temporary buydown. Your rate is one percentage point lower for the first year, then returns to the note rate.
What does a Redfin buyer's agent charge?
Redfin doesn't publish a standard buyer-side fee. Your agent's commission is set in the buyer agreement you sign before touring homes, and it's negotiable. Check the average commission rate for your state before you sign.
Do I have to use Rocket Mortgage to get Redfin's savings?
For the buyer credit, yes. The 1% listing fee only requires buying and selling with Redfin. The lender credit and the extra commission discount both require a Rocket loan.
Do Redfin partner agents qualify for these discounts?
No. Redfin's terms say partner agent transactions don't qualify for its listing fees or incentives. Confirm you're working with a Redfin employee agent before you sign.
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