---
title: "OfferPro: Build & Auto-Qualify Your Offer (B1124-005)"
description: "The three controls, the trade-off nobody explains, and where Padzilly stops checking for you."
url: https://homes-support.padzilly.com/en/articles/1-offerpro-build-and-auto-qualify-your-offer-b1124-005
collection: "Using Padzilly"
updated: 2026-10-01
language: en
alternates: [es]
---

# OfferPro: Build & Auto-Qualify Your Offer (B1124-005)

The three controls, the trade-off nobody explains, and where Padzilly stops checking for you.

**OfferPro** is where you stop reading a listing and start building an offer. It takes your loan and your budget, and lets you shape a deal until the numbers work — or tells you honestly that they do not.

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### Opening it

Find a home from your search results and open **OfferPro** on it.

If OfferPro is not available to you, the screen tells you why: you are browsing as a **guest** (sign up free), you have an account but **no loan** (invite your loan officer), or your loan officer has been invited and Padzilly is **waiting for your approval**.

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### Two ways to work: AutoQualify or by hand

**AutoQualify** does it in one click. It finds a combination that qualifies, within your loan's limits, and fills the values in for you. It also builds in a deliberate **3% payment buffer**, so it does not qualify you right up to your last dollar — there is room for insurance, taxes and escrow to come back higher than estimated.

**By hand** gives you the three controls below. Everything recalculates live as you move them.

Most people should try AutoQualify first to learn whether the home is reachable at all, then adjust by hand toward the offer they actually want to make.

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### Offer price

Move it up or down. Padzilly tells you where you have landed — **below asking**, **at asking** or **above asking** — so you always know what you are proposing relative to the seller's number.

Lower it to bring a home inside your limits. Raise it when a home is competitive and you need the offer to be taken seriously.

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### Down payment

**Putting more down lowers your monthly payment**, and depending on your program it can remove mortgage insurance.

**But it raises your cash to close.** This is the trade-off, and it is worth being clear about it: a bigger down payment means less money every month and more money on closing day. The two figures move in opposite directions, and you can watch them do it.

**There is a minimum you cannot go below.** OfferPro enforces the minimum down payment your own loan requires. If you try to set a lower value, it snaps back up. The minimum comes from your actual loan, not from a generic rule — so if your loan requires 5%, 5% is your floor even though another program might allow 3.5%.

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### Seller rebate (contribution)

Set as a **percentage of the purchase price**. Padzilly shows you the dollar result.

It does two different jobs, and the split matters:

-   **For closing costs** — reduces your cash to close; your payment does not change
    
-   **For rate buydown** — reduces your monthly payment for the life of the loan; your cash does not improve
    

**Auto buydown** works out that split for you.

**One honest warning.** Loan programs cap how much a seller may contribute — commonly 3% or 6% on conventional depending on your down payment, 6% on FHA, 4% on VA. **Padzilly does not enforce those caps for you.** You can model a contribution your program would not allow. Before you submit an offer built on a seller rebate, confirm the amount with your loan officer.

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### What updates as you work

Your **monthly payment** and your **cash to close**, recalculated instantly, both colour-coded against your loan approval. Green means this offer qualifies for you. Red means it does not — yet.

**Reset** returns everything to the listing's original figures.

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### When the numbers work

Once you have an offer that qualifies, you can generate a **qualification letter** for that property. That is the document a seller's agent wants to see, and it is the reason the whole exercise matters: you are not asking "can I afford this?", you are arriving with proof.

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### The one habit that makes OfferPro worth using

Try the seller contribution before you drop the price.

A seller who refuses to cut $12,000 off the asking price will often agree to pay $12,000 toward your costs. It is the same money out of their pocket, but the recorded sale price stays higher — which matters to them. Same money, easier yes, and OfferPro lets you walk into that conversation knowing exactly which number you need.