How Do I Qualify for Pay at Close?

Pay at Close may allow eligible clients and real estate agents to cover approved listing-preparation expenses and repay the amount from the proceeds of the property sale.

Client Qualifications

Clients must meet the following criteria:

• Minimum credit score: 570 or 640, depending on the state and ownership type. See current rates and requirements here.

• Verified property ownership

• Sufficient loan-to-value (LTV) ratio:

• Active, signed listing agreement for the subject property.

• Maximum loan amount:

  • $20,000 for prime/super-prime credit (670+)

  • $5,000 for subprime credit (570–669)

Please note: Titus does not currently offer homeowner Pay at Close loans in DE, ID, LA, MT, WA, and WY. However, agent loans are allowed in each of these states. See the full list of approved states here.

Agent Qualifications

Agents must meet the following criteria:

• Credit score of 570+

• Active real estate agent or broker license in the state

• Active, signed listing agreement for the subject property

• Payment must be less than half of the expected commission

• Maximum loan amount: 1.5% of the list price, up to:

  • $20,000 for prime/super-prime credit (670+)

  • $5,000 for subprime credit (640–669)

Eligible Property Types

Pay at Close may be available for the following property types:

• Single-family homes

• Condos

• Townhomes

• TICs

• 1–4 unit residential properties

• Manufactured/mobile homes

  • Maximum loan amount: $2,500

  • Agents only

  • The originating business must be a photographer

The following property types are not eligible:

• Land

• Commercial properties

• Rental properties

• Mixed-use properties

• Multi-unit properties outside of the eligible 1–4 unit residential category

Eligible Ownership Types

The property may be owned by:

• An individual

• An LLC (up to $1 million list price)

• A trust

• A partnership

• An estate/probate

Homes owned by a corporation are not eligible.

Disbursements to Vendors

Pay at Close disbursements for listing preparation can only be made to businesses that are approved and part of the Titus Network.

Effective April 17, 2026, out-of-network disbursements will no longer be approved.

Rates & Credit Requirements

Rates and minimum credit-score requirements may vary depending on the state and other eligibility factors.

You can check an estimate of your rate here.

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