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How much should I offer?

Enter what you know about the home. Get a starting range, the reasons behind it, and the terms that win besides price.

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days
Offers you expect

Ask the listing agent: "How many disclosure packages went out?" That number is a good clue.

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Seller set an offer date?
Recent sold comps (optional, up to 3: sold price + sqft)
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sqft
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sqft
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sqft

Same type, close by, sold in the last 3–6 months. Don't have them? Leave blank, or text Ken for real comps.

sqft
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Suggested starting range
$0– $0
Low end—
High end—
Comps say —
Possible appraisal gap (at high end)$0
Deposit at 3% (common)$0
This is a starting range from rules of thumb and public market data. It is not an appraisal, and no number guarantees your offer wins. The seller decides.
Get comps from Ken

Text the address. Ken sends the sold comps for that street, free. You decide the number.

Terms that win besides price

Shorter contingencies

The standard California contract gives you 17 days to inspect, appraise and get the loan. Offering 7–10 days tells the seller you won't drag it out. Read the disclosures and pre-inspection first so a short window is safe.

Risk: less time to back out with your deposit safe.

Larger deposit (EMD)

Risk: once contingencies are removed, more money is on the line. See T08.

Rent-back for the seller

Let the seller stay a few weeks after closing, free or at their cost. Many sellers need time to move or to close on their next home. It often matters to them more than a few thousand dollars.

Risk: you wait to move in. Check with your lender on how long is allowed.

Appraisal gap coverage

Risk: that money is cash on top of your down payment. See T11.

Next steps

  1. Get real sold comps: same type, within about half a mile, sold in the last 3–6 months. Text Ken the address, or ask your agent.
  2. Get a full pre-approval (T34) and set your walk-away number before offer day (T02). Decide it calm, not at 10 PM on offer night.
  3. Read the disclosure package and any pre-inspection before you write. It tells you how short your contingencies can safely be (T70).
  4. Know your cash if the appraisal comes in low (T11). Plain-language buying guides: CFPB.

Many people get this wrong: "Offering under list always saves money." Not on a home with several offers. An under-list offer usually doesn't even get a counter. You save $0 and lose the house. Single-family homes in Santa Clara County sold at about 103.6% of list in September 2026.

Ask Ken Watch 15-sec video

Email this range to yourself

Ken will reply with sold comps for the home. No spam.

Or text: 408-666-2825