# UniversityAgent ONE vs Sphere for Borrowers

The clearest difference is in-app purchases: Sphere for Borrowers at none against UniversityAgent ONE's 2. UniversityAgent ONE's advantage is ads (none vs shown). On price, update cadence, device support and iOS requirement there is nothing between them.

Both are free to download. UniversityAgent ONE sells 2 in-app purchases, starting at $0.99 per month. Sphere for Borrowers asks for nothing beyond the download.

Both ship on a similar rhythm, roughly every 2 months. The most recent releases landed on October 29, 2026 and October 27, 2026 respectively.

## The numbers

| Metric | UniversityAgent ONE | Sphere for Borrowers |
| --- | --- | --- |
| Price | Free | Free |
| Rating | **[5.0 (4 ratings)](https://appshunter.io/ios/app/universityagent-one/id407935865/reviews)** | — |
| Number of ratings | **4** | — |
| In-app purchases | Yes | **No** |
| Ads | **No** | Yes |
| Update frequency | Every 2 months | Every 2 months |
| Monetization | Freemium | — |
| Size | 357 MB | 50 MB |
| Requires iOS | **16.0** | 17.6 |
| Devices | iPhone, iPad | iPhone, iPad |
| Age rating | 9+ | 17+ |
| Developer | [PalmAgent Software](https://appshunter.io/developer/303860817) | [Taygo Inc.](https://appshunter.io/developer/1742524101) |

## What reviewers say

### UniversityAgent ONE

[App page](https://appshunter.io/ios/app/universityagent-one/id407935865)

This app provides real estate professionals with city/county-specific closing cost calculations. Generate professional seller net sheets and buyer estimates quickly for clients. Offers a free plan for basic estimates and a premium subscription for advanced features.

**Highlights:** City/county specific closing costs, Seller net sheets, Buyer estimates, Real estate professional tools, Free plan available, Premium subscription options

**Features:** macOS Compatibility

**In-app purchases (2)**

| Purchase | Price | Billing |
| --- | --- | --- |
| Monthly | $0.99 | per month |
| Yearly | $9.99 | per year |


### Sphere for Borrowers

[App page](https://appshunter.io/ios/app/sphere-for-borrowers/id6737917894)

**Features:** macOS Compatibility

**In-app purchases:** none


## Frequently asked questions

### Is UniversityAgent ONE free?

UniversityAgent ONE is free to download, with in-app purchases available.

### Is Sphere for Borrowers free?

Sphere for Borrowers is free to download, with no in-app purchases.

### Do UniversityAgent ONE or Sphere for Borrowers have ads?

Sphere for Borrowers shows ads; UniversityAgent ONE does not.

### Which is updated more often, UniversityAgent ONE or Sphere for Borrowers?

UniversityAgent ONE ships an update every 2 months, and Sphere for Borrowers every 2 months. Most recently, UniversityAgent ONE was updated on October 29, 2026 and Sphere for Borrowers on October 27, 2026.

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*Compared by [AppsHunter](https://appshunter.io/) from daily US App Store data. Review summaries are generated from verbatim App Store reviews.*