---
title: "\"AutoQualify\": Simplify Your Offer with Padzilly's Automatic Qualification"
description: "One click finds a qualifying combination — with a deliberate 3% payment buffer."
url: https://homes-support.padzilly.com/en/articles/38-autoqualify-simplify-your-offer-with-padzilly-s-automatic-qualification
collection: "Using Padzilly"
updated: 2026-10-01
language: en
alternates: [es]
---

# "AutoQualify": Simplify Your Offer with Padzilly's Automatic Qualification

One click finds a qualifying combination — with a deliberate 3% payment buffer.

**AutoQualify** appears inside OfferPro when a home does not currently qualify for you. Instead of making you nudge the sliders by trial and error, it finds a working combination for you.

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### What it does

OfferPro gives you three controls — **offer price**, **down payment** and **seller rebate (contribution)**. Any of them can turn a failing offer into a qualifying one, and the right mix depends on whether your problem is the monthly payment or the cash at closing.

AutoQualify works that out and sets the values for you, within the limits of your loan.

Click it and OfferPro fills in a combination that qualifies. One click instead of ten minutes of guessing.

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### The 3% buffer: the part nobody tells you

This matters, so please read it.

**AutoQualify deliberately qualifies you a little below your actual ceiling.** It builds in a **3% payment buffer** to protect against variances in insurance, taxes and escrow estimates.

So it will not push you right up to the last dollar your lender approved. There is room left in the number.

That is on purpose. Insurance quotes come back higher than estimates. Property taxes get reassessed. Escrow figures shift. A buyer qualified to the exact limit is a buyer who has a problem the first time one of those moves. The buffer absorbs it.

It also means that if AutoQualify says a home works, it works with a margin — not barely.

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### Who it is for

**Anyone who finds the sliders fiddly.** There is no prize for doing it by hand.

**Anyone short on time.** It is the fastest way to find out whether a home is reachable at all.

And honestly: anyone comparing several homes. Running AutoQualify on four properties tells you in two minutes which ones are genuinely in play.

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### When AutoQualify cannot do it

Sometimes no combination works. The usual reason is simple — the property is beyond your maximum loan capacity, and no down payment or seller contribution closes that gap.

When that happens, AutoQualify tells you rather than pretending. You can keep adjusting the values manually afterwards if you want to explore, because AutoQualify leaves you an optimised starting point rather than locking anything.

But take the answer seriously. A home that cannot be made to qualify is not a home to spend your weekend on.

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### After AutoQualify

The values it set are yours to change. Move the down payment, change the seller contribution, try a lower offer price — everything stays live and recalculates as you go, with your payment and cash to close colour-coded against your approval.

A sensible habit: run AutoQualify first to see whether the house is possible, then adjust by hand toward the structure you actually want to offer. The machine finds a solution; you choose which solution to send.

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For the full walkthrough of the controls, see [How to Adjust Offer Price, Down Payment, and Seller Contributions in OfferPro](https://homes-support.padzilly.com/en/articles/12-how-to-adjust-offer-price-down-payment-and-seller-contributions-in-offerpro-b1124-006.md).