TREC 20-19 · Effective July 2026 · Official Texas Forms

Write a Real Estate Offer
Without the Confusion.

HomeOfferFlow is a Texas real estate offer builder that guides you through a supported Texas buyer-offer packet in plain English, then lets you review every term before signing or sending.

No payment required to begin. Review the full offer summary before paying. Homebuyer offer packet: $99.
TREC 1-4 Family Residential (20-19)
Verified buyer packet paths
Mobile-first
Instant PDF delivery
🔒 Secure checkout powered by Stripe
📍 Texas-focused offer packets
📄 Real TREC form workflow

How It Works

From plain questions to a Texas offer packet.

01

Answer plain questions

No legal jargon. One section at a time. Built-in helper tips on every confusing field.

02

We prepare the supported forms

Your answers populate the TREC 20-19 buyer offer contract and the purchase addenda currently supported by HomeOfferFlow.

03

Review your offer

See a plain-English summary of every field before you pay. Go back and fix anything.

04

Download & send

Pay once, receive your packet, and review it with your own licensed agent or attorney before submitting.


Before You Start

Clear answers before you begin a Texas offer.

Can I start without paying?

Yes. You can begin the guided buyer-offer workflow without payment, review the completed offer summary, and only see the one-time $99 checkout when the supported packet is ready.

Does HomeOfferFlow replace my agent or attorney?

No. HomeOfferFlow is a Texas form-completion tool, not legal advice or brokerage representation. You can have your own licensed Texas agent or attorney review the packet before you submit it.

Is this only for homebuyers?

No. HomeOfferFlow also has separate paths for agents and brokers, investors, FSBO sellers, and service partners. Each has its own workflow, scope, and payment terms.

What happens after I complete a buyer offer?

You review the plain-English summary before checkout. When the supported packet is ready and payment is completed, HomeOfferFlow provides the buyer-side packet and signing workflow for your review and next steps.

How does HomeOfferFlow help Texas FSBO sellers?

Start with a no-obligation seller intake for the property, timeline, goals, and preferred support path. You can explore planning, launch, offer-review, flat-fee MLS, and provider-supported options; final scope, availability, and pricing are confirmed separately where required.

Can Texas agents use HomeOfferFlow for different transaction types?

Yes. Signed-in agents begin with property listing, purchase, lease listing, or tenant representation. HomeOfferFlow then asks only the questions for that transaction and prepares the applicable available documents.


Who It's For

Built for every side of the Texas transaction.

🏷️

FSBO Sellers

Start a no-charge seller plan in under a minute with your address and email, then explore packages, flat-fee MLS interest, offer review, contract-to-close support, and local partner suggestions.

Start free — address + email · no checkout
🤝

Service Partners

Reach Texas buyers, sellers, agents, and investors with market-based placements across title, inspection, lending, roofing, insurance, home services, and more.

Founding partner placements from $149

Selling without an agent? Read the Texas FSBO planning guide →  ·  Agents and brokers? Review the shared Texas form library →  ·  Looking for a title company, lender, inspector, or another service? Browse approved provider listings →

Ready to write your offer?

Choose the right path: $99 buyer offer packets, an agent/broker workspace, an investor repeat-offer workflow, or a free FSBO seller plan.

No payment is required to start. Review your completed offer summary before checkout; the homebuyer offer packet is $99 only when ready. FSBO sellers can start with a free plan, then choose paid support only if and when it fits.

Terms, Privacy & Disclaimer

IMPORTANT — Please read carefully.

By proceeding, you acknowledge that you have read, understood, and agree to the full Terms of Service, Privacy Policy, Disclaimer, and Electronic Communications and E-Sign Consent.

Thinking of using a buyer’s agent?

HomeOfferFlow gives buyers a faster, lower-cost way to create a clean Texas offer while staying in control.

You can build your offer in minutes, generate the TREC contract and key addenda, avoid missed blanks, and potentially save thousands compared with the traditional buyer-agent commission model.

You stay in control — and you can still have an attorney, agent, or advisor review before you submit.

DisclaimerAll Changes SavedStep 1 of 11
✨ Welcome
Let’s build your offer together.
We’ll walk through the offer like an interview, not a pile of paperwork. You can review every answer before anything is generated or paid for.
Plain English Review before payment Texas-focused

Before we begin

Please review and accept the following disclaimer before building your offer.

⚠️ Not legal advice. HomeOfferFlow is a form-completion tool only. You are responsible for verifying all information. Consider having a licensed agent or attorney review before submitting.
📋 Current form: TREC One to Four Family Residential Contract (Resale) No. 20-19 — Effective July 1, 2026.
🔒 Your information is used only to fill your TREC form and is not shared with third parties except to process payment.
✅ You can review your full offer summary before paying. Starting the wizard does not create a charge.
✨ Property visit
Have you actually seen the home?
Before we write terms, make sure you are comfortable with the property and have arranged any viewing you need.
Seen it Viewing guidance No pressure

Have you seen the property?

Before writing an offer, it is important that you know what you are offering on.

✨ Smart path
Choose the right starting point.
This helps us guide the workflow without pushing you into representation or extra services you didn’t ask for.
Buyer control Right workflow
✓ Smart Start · Buyer Representation

How are you planning to write this offer?

This helps us guide you to the right path before you spend time filling out the full offer.

Are you thinking of using a buyer’s agent for this offer?
Why this matters: HomeOfferFlow helps you organize the offer terms, generate the TREC contract and key addenda, and avoid common blank/checkbox mistakes before anything is submitted.
✨ Buyer & seller
First, who is involved?
Tell us who is making the offer and who owns the property. Use the names exactly how you want them to appear on the contract.
Legal names Contact info Editable later
✓ TREC 20-19 · Section 1 — Parties & §21 Notices

Who's buying?

Enter full legal names exactly as they should appear on the contract. We'll also collect your contact info for the Notices section.

💡 Legal Name RequiredUse your full legal first name as it appears on your government-issued ID.
💡 Co-Buyer / SpouseIf buying with a spouse, partner, or co-investor, enter their full legal name here. Leave blank if buying alone.
💡 Where to Find the Seller's NameCheck the MLS listing, county appraisal district tax records, or ask the listing agent.

§21 — Your Contact Info

💡 This information goes in Section 21 so the seller and their agent know where to send official notices. Use your current mailing address.
✨ Property
Now tell us about the home.
Start with the address and legal description. HomeOfferFlow will use public property context for the AI review when available, without asking you for manual MLS fields.
Address first Legal description Automatic market context
✓ TREC 20-19 · Section 2 — Property & §4 Leases

The property

Start with the address. Then enter the legal description from the listing or county record. We split Lot and Block out clearly so the contract fills correctly.

💡 Start Typing the AddressType the street address and select from the dropdown. City, county, state, and zip will fill in automatically.
💡 County MattersSome cities cross county lines. The contract needs the county where the property is physically located.

Legal Description

💡 Find this on the MLS listing, tax record, or deed. If you have “Lot 33, Block A, The Trails PH 1, Section C,” enter Lot 33, Block A, and the subdivision below.
📋 TREC 20-19 §4: A property with an existing lease needs its own guided form package. Choose the lease type below to continue in the shared form library.

§4 — Leases on the Property

💡 Most buyers won't know about existing leases up front — that's normal. If you're unsure, ask the listing agent before submitting.
Are you aware of any leases on this property?
Yes — residential leaseContinue to the guided residential-lease review
Yes — fixture leaseContinue to the guided fixture-lease review
✨ Price & financing
This is where the offer starts taking shape.
Enter your offer price and financing. We’ll keep the math tied together and show payment/cash-to-close estimates as you go.
Offer price Loan math Estimated payment
✓ TREC 20-19 · Section 3 Sales Price · Third Party Financing Addendum

Price, financing & deposits

Start with your offer price, then choose how you are paying. We’ll keep the down payment, loan amount, earnest money, and option fee connected as you enter the agreed terms.

💡 Offer PriceThis is the total purchase price you are offering for the property. It drives the loan amount, down payment estimate, earnest money suggestion, and Section 3 sales price math.
Financing Type
💡 Why This MattersYour financing type determines whether a Third Party Financing Addendum is included and how the contract breaks out cash/down payment versus loan amount. If you are not sure, choose the loan type from your pre-approval letter.

Estimated monthly payment

Quick planning estimate only. Update the fields below to see how payment assumptions change.

Principal & Interest
Estimated Taxes
Estimated Insurance
HOA
Estimated Total
Down Payment
Estimated Closing Costs
Less Seller Concessions
Earnest Money Credit
Est. Cash Needed
Estimate only. Monthly payment figures are based on general Texas averages and the information entered above. Actual loan terms, taxes, insurance premiums, HOA dues, PMI, and closing costs may vary significantly. HomeOfferFlow is not a lender, insurance provider, or tax authority. Buyers should obtain official loan estimates from a licensed mortgage professional, insurance quotes from a licensed insurance agent, and verify property taxes directly with the applicable county appraisal district or tax authority.

Earnest Money & Option Period

💡 These are tied to your offer price and inspection timeline. We suggest common starting points, but you can edit them.
💡 Earnest MoneyA good-faith deposit held by the escrow agent. A common starting point is around 1% of purchase price.
💡 Option FeePaid to seller for your unrestricted right to terminate during the option period. Suggested default: $250.
💡 Option PeriodSuggested default: 7 days. Shorter can strengthen the offer; longer gives more time for inspections.

§5A — Escrow Agent

💡 The Escrow Agent holds the earnest money and option fee.
✨ Addenda
Let’s handle the common extras.
HOA, sale contingency, backup offer, and personal-property items only create follow-up questions when they actually apply.
HOA Contingencies Addenda
✓ TREC 20-19 · Addenda Selection

HOA & contingencies

We only ask follow-up questions when they apply.

Is the property in an HOA?
💡 HOA AddendumIncludes the HOA Addendum when the property is in an HOA or you are not sure.
Sale of other property contingency?
💡 Sale ContingencyMakes your purchase contingent on selling a property you currently own.
Weakens offerUse only if necessary
Is this a backup offer?
💡 Back-Up Contract AddendumThe property already has an accepted offer but you're submitting as second in line.
Include non-realty personal property?
💡 Non-Realty Items AddendumUse this when the buyer wants personal property that is not clearly included as a fixture/accessory, such as a refrigerator, washer/dryer, furniture, mounted TVs, patio furniture, or garage fridge. Describe each item carefully.
Optional uploaded disclosure documents
Upload PDF disclosures or listing-side documents to include them with the final offer packet. HomeOfferFlow keeps their labels and order with the packet; review each document before sending.
PDF only. Add up to 5 files, 2MB each and 2.5MB combined. You can add files in more than one selection, then label and order them before the packet is generated. Examples: seller disclosure, survey, T-47/T-47.1, HOA docs, PID/MUD notices.
✨ Title & disclosures
Now the contract details that protect the timeline.
Survey, title, disclosures, and property-condition choices can matter. We’ll keep the wording practical and flag what should be verified.
Title Survey Disclosures
✓ TREC 20-19 · §6 Title & Survey · §7 Property Condition

Title, survey & disclosures

These questions complete required contract sections.

§6A — Who pays for Title Insurance?
💡 Owner's Title Policy PremiumIn many Texas resale transactions, the seller pays for the owner's title policy premium, but this is negotiable. Choose the option that matches your offer strategy and confirm with your agent, broker, or attorney if unsure.
§6A(8) — Title policy amendment?
💡 Title Policy AmendmentThe amendment can provide additional title-policy coverage if available. If amended, the contract identifies who pays the amendment cost. Many Texas agents select buyer-paid amendment costs when the buyer chooses to reduce seller-paid expenses, but this is a negotiable term and not legal advice.
§6C — Survey?
💡 Survey OptionsA seller's existing survey may be acceptable if it is current enough for the title company and paired with the required declaration. A new survey may be needed if the existing survey is unavailable, outdated, rejected by the title company, or unacceptable to the buyer/lender.
💡 Intended UseFor a standard residential purchase, this is often left blank. If the buyer has a special intended use, confirm with the agent, broker, or attorney before adding language.
💡 MUD / PID / Assessment DistrictSome Texas properties have special districts or assessments that require notices. If unsure, check the MLS listing, seller disclosure, tax records, or ask the listing side before sending.

Lead-Based Paint Check

Was the home built before 1978?
💡 Lead-Based Paint DisclosureFederal lead-based paint disclosure rules may apply to residential property built before 1978. If the year built is unknown, verify before signing or sending the offer packet.

§7B — Seller's Disclosure Notice

Have you received the Seller's Disclosure Notice?
💡 Seller's Disclosure NoticeIf the buyer has not received the Seller's Disclosure Notice, the contract can set a delivery deadline. Some sellers may be exempt. Verify before signing or sending if you are unsure.

§7D — Property Condition

Property condition election
💡 “As Is” and InspectionsSelecting “As Is” does not prevent the buyer from inspecting the property during the option period. While within the option period, the buyer may perform inspections and may then propose an Amendment requesting repairs, seller credit, or other negotiated changes. The seller is not required to agree to requested changes, and the buyer should review deadlines carefully.
💡 Many buyers start with “As Is” because it keeps the initial offer cleaner. This does not waive inspection rights during the option period.
✨ Closing
Set timing, possession, and final expenses.
A cleaner closing timeline and clear concessions can make the offer easier to understand and compare.
Closing date Possession Seller concessions
✓ TREC 20-19 · §9 Closing · §8 Brokers · §12 Expenses

Closing details

A few final deal terms before review.

💡 Closing DateChoose a date that works with the lender, title company, agent, and the parties. If it falls on a weekend or banking holiday, confirm the practical funding timeline before sending.
💡 Possession Timing“Upon Funding” is commonly used because closing and funding are not always the same instant. Possession after closing requires a written lease that both sides sign.
💡 Title CompanyThis is the title/escrow company requested for the transaction. Buyer and seller can negotiate title company selection. Agents may also use brokerage-preferred defaults if appropriate.

§8 — Buyer's Agent

Are you already working with a buyer's agent on this offer?

§12A(1)(c) — Seller Concessions

Smart negotiation idea

Because you are not using a buyer’s agent, some buyers choose to request seller-paid concessions or closing cost help. This is optional and depends on the property, market, and seller.

Are you requesting seller concessions?

§7H — Home Warranty

Optional protection request

Many buyers request a one-year residential service contract/home warranty to help cover unexpected repair costs after closing.

Would you like to request a seller-paid home warranty?
✨ Review
Pause before this becomes paperwork.
Check the full offer summary, then run the AI Offer Competitiveness Review to see market leverage, risks, and possible improvements.
Competitiveness Market leverage Final check

Review your offer

Check everything carefully. Use Back to correct any field before paying.

✅ Texas offer packet generated from your answers. You can review everything before paying. Secure checkout is powered by Stripe, and your PDF plus buyer-side signing request will be emailed after payment.
What to expect next

After payment, HomeOfferFlow will generate your Texas offer packet and email it to you. You may also receive a separate SignWell email for buyer-side signatures.

Buyer-side signing only: HomeOfferFlow sends buyer signatures, buyer dates, and buyer initials. Seller signatures and seller initials are handled by the seller/listing side after submission or acceptance.

This is a one-time generated offer packet. If the seller or listing agent asks for changes, counteroffers, amendments, or a signature request, ask the listing agent or seller side to prepare the revised documents and send them back to you for review/signature.

Review everything carefully before signing. If you are unsure, consider using a qualified real estate agent, attorney, or professional review before moving forward.

⚠️ Before you submit: This is a legally binding document. We strongly recommend having a licensed Texas agent or attorney review before sending.
✨ Done
Your offer packet is on its way.
Check your inbox for the generated documents and signature request. Save a copy for your records before sending anything onward.
Generated Emailed Ready

Payment successful

Check your email — your offer packet is ready. You can safely close this page after saving the email/PDF.

Next steps
1. Check your email for your HomeOfferFlow offer packet.
2. Watch for a separate SignWell email if buyer-side signatures are enabled.
3. Review the PDF carefully before sending, signing, or relying on it.
4. If the seller or listing agent sends revised documents later, compare them carefully before signing.
Sent to
the email you entered
Your transaction, your choices

Now what?

Use this as a practical checklist after your offer is sent. Local provider listings are optional resources from HomeOfferFlow—not required selections or transaction advice.

Explore local help when you need it

Loading available local provider profiles…

You are free to choose any provider or none. HomeOfferFlow does not require a provider and does not change your offer, closing, lender, title, inspection, or repair decisions.

If you don’t see the email within a few minutes, check spam/promotions. SignWell signature requests may arrive as a separate email.

✨ Secure checkout
Almost done.
After checkout, HomeOfferFlow generates the offer packet and sends the signing email. You still control what you sign and submit.
Stripe checkout PDF packet Signing email

Review your packet

Your self-service Texas buyer-offer packet is ready to purchase for $99.

Important

HomeOfferFlow does not include an agent, broker, or attorney review service with this purchase. Review your packet with the licensed professional of your choice before submitting if you want professional advice.

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