Free tool — no sign-up
Wholesale calculator
A wholesaler's maximum offer is what a cash investor will pay for the house, minus the fee the wholesaler wants to earn.
Maximum offer to seller
—
Enter the ARV
Seller gap
—
Add the asking price
The formula
- Cash buyer's price = ARV x buyer's percentage - repairs
- Maximum offer to seller = cash buyer's price - your assignment fee
- Spread = cash buyer's price - offer to seller
A worked example
- After repair value (ARV)
- $250,000
- Repairs
- $35,000
- Cash buyer pays
- 70% of ARV
- Your assignment fee
- $10,000
Cash buyer's price = 250,000 x 70% - 35,000 = $140,000. Maximum offer to seller = 140,000 - 10,000 = $130,000. If the seller wants more than $130,000, the wholesale exit does not work — re-run it as a retail buyer exit before walking away.
What this number does not tell you
A wholesale number only tells you what a cash investor will pay. The Retail Buyer Profits calculator runs the same house to a financed retail buyer and shows how much more you can offer — and still get paid.
Run the full analysis freeLooking for a full wholesaling real estate calculator?
This page answers one question. The free wholesaling real estate calculator runs the entire deal: sold comps, repairs by condition, realtor commissions, seller concessions, closing costs and your own profit goal. It doubles as a retail buyer profit calculator, because it prices the house for a retail buyer using FHA, VA, USDA or conventional financing and shows that exit beside the wholesale exit on the same property — so you can see which one actually pays, and the highest price you can offer either way.
New to the retail exit? Read how wholesaling to retail buyers works — the method, the formulas and real student numbers, in plain text.
Common questions
How do you calculate a wholesale deal?
Start with the after repair value, multiply by the percentage your cash buyers pay (usually 65% to 75%), subtract repairs, then subtract your assignment fee. What is left is the most you can offer the seller.
What is a good assignment fee?
Many wholesalers aim for $5,000 to $15,000 per deal. The fee has to fit inside the spread between the seller's price and what a cash buyer will pay, or the buyer walks.
Why do so many wholesale deals die?
Because the cash buyer's percentage leaves no room once the seller's price is above it. The house is often still a good deal — just not for a cash investor.
What if the seller wants more than my wholesale number?
Run the retail buyer exit: sell the finished house to an owner-occupant with FHA, VA, USDA or conventional financing. That buyer pays close to full value, which usually supports a much higher offer. The free RBP calculator at /calculator runs both exits side by side.