Review your purchase agreement
See your deadlines in order, which exits you kept, and the questions to ask before you sign or a date passes.
PDF, JPG or PNG, up to 15 MB and 40 pages. The PDF from your e-sign email works best; a JPG or PNG of each page also works. The file is read in memory by Google Cloud Vertex AI and is not stored by HomeTurf; the terms and dates are kept for 30 days, stripped of names, the address and ids, with a note of which ad or link brought you here.
Google does not use your purchase agreement to train or fine-tune AI models, and neither does HomeTurf. Google keeps it only as long as it needs to read it, though it may hold a temporary cached copy for up to 24 hours. If Google's automated safety checks flag a request as possible misuse, Google may log that request, including your purchase agreement, for up to 90 days, and authorized Google employees may review it.
The words on the form
Contingency
A condition the contract depends on, such as loan approval or a satisfactory inspection, with a deadline and a stated right to end the contract if it is not met.
Earnest money
A deposit paid soon after signing to show the offer is serious. It is held by a neutral third party and credited to you at closing, refunded or forfeited under the contract's own rules.
Option fee
In Texas, a separate fee paid for the option period: an unrestricted right to end the contract within a set number of days. The fee stays with the seller and is credited to the price if you close.
Due diligence fee
In North Carolina, a fee paid to the seller on the effective date for the due diligence period. It is non-refundable unless the seller materially breaches or another paragraph of the form lets you terminate, and is credited to you at closing.
As is
You accept the property in its present condition. On the standard forms it does not remove the right to inspect or to end the contract within the option or inspection period.
Appraisal gap
A promise to pay a stated amount above the appraised value if the appraisal comes in below the price, usually with a cap. Custom language, not part of the standard forms.
Escalation clause
A custom clause that raises your price in steps above a competing offer up to a cap. Regulators in several states say only an attorney may draft one.
Seller concessions
A credit from the seller toward your closing costs, stated as dollars or a percent of the price. Loan programs limit how much a seller may pay.
Time is of the essence
Deadlines are strict: a date missed by a day is a breach rather than a delay. Each form says which deadlines it applies to.
Specific performance
A court order requiring the other side to complete the sale rather than pay money. Some forms let the seller choose it against a buyer who does not close.
Liquidated damages
An amount fixed in advance, usually the earnest money, that one side keeps if the other defaults, in place of proving actual losses.
Effective date
The day the last party signed and the contract became binding. Deadlines counted in days run from here.
Possession
When you get the keys. The standard forms set it at closing (Texas adds funding); anything earlier or later belongs in a lease addendum.
Prorations
Splitting property taxes, HOA dues, rents and similar charges between buyer and seller as of the closing date.
Title commitment
The title company's promise to insure your ownership, listing the liens, easements and exceptions it found. You have a set number of days to object.
Survey
A drawing of the lot showing boundaries, improvements, easements and encroachments. The form says who orders it and who pays.
HOA resale certificate
The association's statement of dues, assessments, reserves, rules and pending matters, delivered by a deadline, often with a right to end the contract after reading it.
Lead-based paint disclosure
For a home built before 1978, the federal form and pamphlet on lead-based paint, plus a 10-day chance to have the home tested that can be shortened or waived in writing.
Amendatory clause
Required on FHA and VA loans: you are not obliged to complete the purchase if the appraised value is below the price, whatever the rest of the contract says.
Common questions
What does the reviewer read?
A residential purchase agreement for a home in the United States, signed or still a draft: the main contract and the addenda attached to it, up to 40 pages as a PDF, JPG or PNG. It reads the price, deposits, contingencies, deadlines, disclosures, possession and remedy terms, identifies the standard form where there is one, and lays the dates out in order with the days left to each.
What does the reviewer keep?
The terms: figures, dates, day counts, yes or no answers, the state, the form name and footer version, and short generic summaries of any custom terms, plus a note of which ad or link brought you to the site, which is how we measure what each campaign costs. They are kept for 30 days so you can email the review or start an auction from them, then deleted. Never kept: any name, the address, parcel, MLS, escrow or e-sign ids, license numbers, emails, phones or signatures. The file itself is read in memory by Google Cloud Vertex AI and is not stored by HomeTurf; Google keeps it only as long as it needs to read it, though it may hold a temporary cached copy for up to 24 hours, and if its automated safety checks flag a request it may log the file for up to 90 days.
Does this tell me whether to sign?
No. It describes what your own agreement says, how that compares with the standard form in your state, and which questions the terms raise. It does not rate the transaction, predict how a clause would be enforced, or suggest contract language. Those are conversations for your agent and an attorney.
Which states does it cover?
Any state: the dates, figures and watch-outs come from your own document. The clause-by-clause comparison with a typical form is deepest for the five statewide standard forms it knows paragraph by paragraph: Texas (TREC 20-19), Florida (the Florida Realtors/Florida Bar contracts), Colorado (CBS1), North Carolina (Form 2-T) and Wisconsin (WB-11). A builder, investor or attorney-drafted contract has no standard baseline, and the review says so.
Is this legal advice?
No. It is general information about what is written in your own purchase agreement and about standard contract forms. It is not legal, tax or financial advice, not a substitute for the advice of an attorney, and no attorney-client relationship is created. The AI reader can misread or miss a term, so check each item against your copy. Take questions to your real estate agent or an attorney licensed in the property's state; in North Carolina, to your closing attorney, who is already part of every closing there.
More in our guides to seller concessions, closing costs and switching lenders before closing.
This page describes what is written in your own purchase agreement. It is general information, not legal, tax or financial advice, not a substitute for the advice of an attorney, and not a verdict on the deal. HomeTurf is a technology marketplace, not a lender. We do not recommend lenders or guarantee any rate, terms or approval. Every offer is shown the same way and the choice of who to contact is yours. Take questions about your agreement to your real estate agent or an attorney licensed in the property's state; in North Carolina, your closing attorney.