Wholesale Calculator - offer price and assignment fee spread
Estimate a conservative wholesale offer from ARV, repair costs, the end-buyer rule and your target assignment fee. Free, editable and instant, no signup.
Keep the ARV and repair budget conservative. Wholesale math depends on the end buyer still having enough room after your assignment fee, so do not inflate the offer to make a deal work.
Wholesale result
$125,000
Maximum offer to seller
- Buyer's Maximum Allowable Offer
- $135,000
- Your Maximum Allowable Offer to seller
- $125,000
- Wholesale spread
- $10,000
Conservative wholesale offer math
Wholesale real estate math starts with the end buyer, not the seller. A cash buyer or flipper has to buy at a price that still leaves room for repairs, holding costs, resale costs and profit. This calculator uses that buyer-side constraint first: multiply the After Repair Value by the end-buyer rule percentage, then subtract estimated repairs to get the buyer's Maximum Allowable Offer. From there, subtract your target assignment fee to estimate the most you can offer the seller while preserving the wholesale spread.
The conservative part matters. If the ARV is too high or the repair budget is too low, the seller offer can look better than the deal really is. Use recent, nearby renovated sales for ARV, budget repairs from an actual scope, and round down when the inputs are uncertain. A wholesale fee is only durable if the end buyer still sees a clean deal after paying it. If the calculator shows little or no room, the safer move is to reduce the fee, tighten the seller offer, or keep researching rather than forcing the numbers.
Build the inputs before you make an offer
Start with the ARV Calculator to anchor resale value with comps, then estimate the renovation budget with the Rehab Cost Estimator. If your buyers use a simple MAO screen, compare the same deal in the 70% Rule Calculator. FlipIQ's full analyzer can then tie ARV, rehab and a complete flip P&L together so you can see whether a buyer would still have room after acquisition, repairs, holding costs and selling costs.
Analyze a full deal in FlipIQ
This calculator gives you one number. FlipIQ turns an address into a conservative ARV range, an AI rehab budget and a full flip P&L — profit, ROI and annualized ROI — all editable and live. Get 3 analyses free, no account needed.
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More free tools
ARV Calculator
Free ARV calculator: enter recent comparable sales and get a conservative after-repair value range for your subject property. No signup, works on mobile.
70% Rule Calculator
Free 70% rule calculator: turn ARV and repair costs into your Maximum Allowable Offer. Adjust the rule percentage and see your MAO update instantly.
Rehab Cost Estimator
Free rehab cost estimator: get a ballpark renovation budget from square footage and condition, broken into line items with a built-in contingency.
Flip Profit Calculator
Free flip profit calculator: enter purchase, rehab, holding and selling costs to estimate conservative net profit and ROI before you make an offer.
BRRRR Calculator
Free BRRRR calculator: model buy, rehab, rent and refinance numbers to estimate cash left in the deal and conservative cash-on-cash return.
Holding Cost Calculator
Free holding cost calculator: estimate taxes, insurance, loan interest and utilities across your holding period so your flip budget stays conservative.
Cash-on-Cash Calculator
Free cash-on-cash return calculator: enter down payment, closing costs, rehab, rent and expenses to estimate the annual cash-on-cash return on a rental or BRRRR.
Frequently asked questions
What is a wholesale real estate assignment fee?＋
An assignment fee is the spread a wholesaler aims to earn for assigning a purchase contract to an end buyer. In this calculator, the fee is subtracted from the end buyer's maximum allowable offer to estimate the most you can offer the seller while preserving that spread.
How much should a wholesale assignment fee be?＋
There is no fixed amount. It depends on local deal size, buyer demand, repair risk and how much room remains after the buyer's costs and profit target. A conservative fee is one the end buyer can still absorb without weakening their own deal.
What is the difference between wholesaling and flipping?＋
A flipper usually buys the property, completes repairs, holds it, and sells it after renovation. A wholesaler typically contracts the property and assigns that contract to a cash buyer, so the underwriting focuses on leaving enough margin for the buyer and the assignment fee.
How does the 70% rule apply to wholesaling?＋
The 70% rule is often used to estimate the cash buyer's maximum allowable offer: ARV times 70%, minus repair costs. A wholesaler then subtracts the target assignment fee from that buyer MAO to estimate a maximum offer to the seller.
Does wholesale real estate vary by state?＋
Yes. Laws, disclosure rules, contract assignment practices and licensing requirements vary by state and sometimes by locality. This calculator only handles the math; confirm the legal and contract requirements with qualified local counsel before marketing or assigning a deal.
Is this calculator investment or legal advice?＋
No. It is a free decision-support calculator for conservative offer math. Verify ARV with local comps, confirm repair costs with a real scope, and check your contracts, disclosures and local rules before making or assigning an offer.