Turn Your Clients into CASH BUYERS
NAF Cash Overview
NAF CASH IS A POWERFUL HOMEBUYING SOLUTION from New
American Funding that allows fully underwritten buyers—with at least 5% available for earnest money—to be converted into cash buyers. When approved, NAF purchases the home on the buyer’s behalf, giving them the advantage of a cash offer in today’s competitive market. Once the transaction is complete, the buyer finances the home back from NAF, just like a traditional mortgage.
IMPORTANT: NAF Cash can only be used with Conventional or VA financing. FHA and USDA loans are not eligible for this program. This program can be used strategically in different market situations to help buyers win the home they want—whether they’re up against multiple offers, trying to negotiate a lower price, or need to buy before selling their current home.
Winning in a Multiple-Offer SCENARIO 1:
SITUATION
• Buyer fully approved with 5% down
• Home in high demand with multiple competing offers, including cash
• No room to negotiate; seller prioritizes certainty and speed
NAF CASH ADVANTAGE
• Buyer submits a full-price, all-cash, non-contingent offer
• Competes on equal footing with investors and high-net-worth buyers
• Buyer can move on their own timeline after closing
REAL-LIFE EXAMPLE – UPTOWN NEW ORLEANS:
• Property located in Uptown New Orleans
• Friday afternoon; sellers called for final and best offers
• Buyer fully approved through underwriting
• Submitted full-price all-cash offer: $815,000
• NAF Cash Fee (1.5%): $12,225
• Final Cost to Buyer: $827,834
• Savings vs List Price: $0
SCENARIO 2:
Negotiating a Lower Price
SITUATION
• Buyer approved up to $405,000
• Found a home listed at $425,000, outside of their qualified range
• Property had been sitting on the market
NAF CASH ADVANTAGE
• Agent submitted a lower, all-cash offer
• Seller accepted due to speed and certainty
• Buyer moved comfortably after closing
LIFE EXAMPLE – NORTH SHORE PROPERTY:
• List Price: $425,000
• Accepted All-Cash Offer: $395,000
• NAF Cash Fee (1.5%): $5,925
• Final Cost to Buyer: $400,925
• Total Savings: $24,075
Buyer stayed within budget
over $24,000
quickly and moved on their terms
Buying Before Selling (Bridge Strategy) SCENARIO 3:
SITUATION
• Buyer needed to sell current home before qualifying for a new one
• Typically creates home-sale contingency, which weakens offers
NAF CASH ADVANTAGE
• Buyer fully underwritten with at least 30% net equity in departing home
• Has 5% down for new purchase
• Makes a non-contingent, all-cash offer
• Buyer can move before listing, clean, and stage current home to sell faster
REAL-LIFE EXAMPLE – MISSISSIPPI TO NEW ORLEANS:
• Departing Home: Hattiesburg, MS; sold in 45 days
• Net Equity: $200,000
• Target Property List Price: $650,000
• Final Negotiated Price: $617,500
• NAF Cash Fee (1.5%): $9,263
• Final Cost to Buyer: $626,763
• Total Savings: $23,237
Helping VA Buyers Win in a Competitive Market SCENARIO 4:
SITUATION
• VA buyers often face resistance from sellers
• Sellers may be hesitant due to perceived delays or appraisal conditions
NAF CASH ADVANTAGE
• Buyer appears as a cash buyer, removing VA stigma
• After closing, NAF resells the home to buyer using VA financing
• Buyer avoids delays and can move with ease
LIFE EXAMPLE – VA BUYER IN OLD METAIRIE:
• New construction; List Price: $1,100,000
• Seller hesitant due to another VA offer
• Agent submitted NAF Cash offer: $1,028,000
• NAF Cash Fee (1.5%): $15,420
• Final Cost to Buyer: $1,043,420
• Total Savings: $56,580
Winning with Limited Down Payment (Overcoming Seller Concerns) SCENARIO 5:
SITUATION
• Buyer has only 5% down—common for first-time buyers or those moving from one home to another with limited liquid assets
• Sellers are often wary of low-down-payment offers
NAF CASH ADVANTAGE
• Converts buyer into a cash buyer—seller never sees the actual down payment
• Removes seller hesitation tied to low-money-down buyers
• Buyer can close quickly and move with flexibility
REAL-LIFE EXAMPLE – METAIRIE BUYER MOVING FROM LAKEVIEW:
• Buyer relocating from Lakeview to Metairie
• Not a first-time buyer, but had limited funds for down payment
• Home listed at: $310,000
• All-Cash Offer Negotiated at: $295,000
• NAF Cash Fee (1.5%): $4,425
• Final Cost to Buyer: $299,425
• Total Savings: $10,575
Conclusion
NAF Cash gives buyers and agents a distinct edge in today’s competitive real estate market. Whether the goal is to win a bidding war, negotiate a better price, avoid contingencies, or overcome seller concerns about VA or low-down-payment financing, NAF Cash delivers certainty, speed, and strength.
THE KEY TO SUCCESS WITH NAF CASH IS EARLY PREPARATION.
We encourage agents and buyers to get fully approved through underwriting before making an offer. Even if NAF Cash isn’t used, knowing it’s available gives everyone involved—buyer, agent, and seller—confidence and leverage throughout the process. It’s not just a backup plan—it’s a powerful tool to keep in your arsenal from day one.
