How much do I need for a down payment?

Less than most buyers assume. Conventional loans start around 3 to 5 percent down, FHA at 3.5 percent, and VA loans can require nothing down for eligible buyers. Jumbo and condo purchases often ask for more. We connect you with a lender who will lay out real options for your situation.

Does it cost me anything to work with a buyer's agent?

Buyer-agent compensation is negotiable and is set out in the written buyer agreement you sign before touring. In many South Florida transactions the seller or listing broker offers to pay some or all of it, which can reduce or eliminate what you pay directly, but no outcome is guaranteed. We explain the options for each listing before you tour it.

How long does buying a home take?

Once you are pre-approved and under contract, a financed purchase usually closes in 30 to 45 days. Cash closes faster. Condo purchases add the association approval, which can take two to four weeks in many buildings, so we start that process the day your offer is accepted.

What closing costs should I plan for?

Plan on roughly 2 to 5 percent of the purchase price for lender fees, title and escrow, prepaid taxes and insurance, and, in Florida, documentary stamps on the mortgage. Your lender's estimate and our closing review remove the surprises.

Buy a Home in South Florida

Find the home you love. Make sure it's a decision you'll feel good about years from now. Before you tour anything, know what you can comfortably spend, which areas fit the way you live, and what a realistic offer looks like at your price. A BreakThru agent works through it with you and represents you from the first showing to the closing table.

BreakThru Realty · Founder and Broker of Record: Tyson E. Sam, Florida License 3565210

Your first step: Personalized Buyer Plan

Start With a Personalized Buyer Plan

Buying a home is a set of decisions made in order: budget, financing, area, property type, offer strategy. A BreakThru agent works through them with you before you tour anything, so every home you see is one you could actually buy and feel good about years from now.

What you receive

Your budget and monthly cost range, worked through with you, with a lender introduction if you want one
The areas and property types that fit the way you live, with the trade-offs explained
What is for sale now that matches, and what has sold recently at your price
How buyer representation and compensation work in Florida, in writing, before you tour
An offer, inspection and insurance strategy for the homes you choose

What happens next

Tell us what you are looking for and where to reach you.
An agent prepares your plan from live listings and recent sales.
We call within one business day to walk through it.
Tour when you are ready. There is no obligation to buy through us.

Free and without obligation. No lender is required to start, and nothing you tell us is shared with a seller.

Build My Home Buying Plan · Search homes for sale

Questions you may be asking

Does a buyer's agent cost me anything?: Buyer-agent compensation is negotiable and set out in the written buyer agreement you sign before touring. In many South Florida transactions the seller or listing broker offers to pay some or all of it, which can reduce or eliminate what you pay directly, but no outcome is guaranteed. We explain the options for each listing before you tour it.
I am only looking right now.: That is the best time for a plan. It tells you what to look for, what the homes you like actually cost to own, and what a realistic offer looks like, so when the right one appears you are ready.
I have not spoken to a lender.: You do not need to before we start. Consult a lender when you are ready; we can introduce you to one, and the plan sets out the questions to ask.
Will I be pushed to make an offer?: No. The plan is yours to keep. You tour when you want to, offer when you want to, and the agent's job is to make sure you understand the numbers first.

The Home Buying Journey: Six Steps, One Agent

Financial preparation and pre-approval, partnering with a BreakThru agent, the home search, making a winning offer, inspection and appraisal, and closing day.

Your Buyer's Advocate

Sellers take prepared buyers seriously. Gather your documents early so your lender can issue a pre-approval and your offer lands with weight.

Explore New Construction

Prefer a home built to today's code with the finishes you choose? BreakThru finds the lot and represents you while our building partner handles design, permitting, and construction.

Buyer FAQs

Down payments, whether a buyer's agent costs you anything, how long buying takes, and what closing costs to plan for.

Frequently Asked Questions

How much do I need for a down payment?: Less than most buyers assume. Conventional loans start around 3 to 5 percent down, FHA at 3.5 percent, and VA loans can require nothing down for eligible buyers. Jumbo and condo purchases often ask for more. We connect you with a lender who will lay out real options for your situation.
Does it cost me anything to work with a buyer's agent?: Buyer-agent compensation is negotiable and is set out in the written buyer agreement you sign before touring. In many South Florida transactions the seller or listing broker offers to pay some or all of it, which can reduce or eliminate what you pay directly, but no outcome is guaranteed. We explain the options for each listing before you tour it.
How long does buying a home take?: Once you are pre-approved and under contract, a financed purchase usually closes in 30 to 45 days. Cash closes faster. Condo purchases add the association approval, which can take two to four weeks in many buildings, so we start that process the day your offer is accepted.
What closing costs should I plan for?: Plan on roughly 2 to 5 percent of the purchase price for lender fees, title and escrow, prepaid taxes and insurance, and, in Florida, documentary stamps on the mortgage. Your lender's estimate and our closing review remove the surprises.