Kurtenbach: Brock Purdy’s new contract should make everyone — the 49ers, fans, and especially the QB — happy ...Middle East

The 49ers have spent the last few months trying to put their house in order.

There was the roster purge, a fundamental restructuring of the coaching staff and power structure, and a draft that attempted to straddle the line between the present and the future.

But the most important order of a business-filled Spring was finished Friday.

According to multiple reputable reports, Brock Purdy and the Niners agreed to a new five-year contract worth a team-record $265 million. Reportedly, $181 million will be guaranteed.

The process of signing Purdy might have been prolonged by outsiders’ standards, but by all accounts, public and private, it was an amicable and straightforward negotiation that never threatened to encroach on training camp.

Turns out the negotiation didn’t even come close to the Niners’ off-season training programs, which start after Memorial Day.

What a nice guy Purdy is.

Then again, who amongst us wouldn’t be happy to sign on the dotted line for that much money? Purdy will go from making less than $1 million for the team’s 2023 season to receiving nearly $3 million per game on his new deal.

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Contrary to the chorus of attention-starved national media folks yelling “overpaid” and a litany of other “experts” who can break down egg prices and NFL quarterback contracts, Purdy left money on the table in this deal.

Purdy could have driven a hard bargain like Dak Prescott or Kirk Cousins did in their contract negotiations by using the franchise tag not as something to be avoided but to be embraced. Both players came in above market rate for their services because they stayed in the negotiation game for years, and the NFL never has enough quality (notice how I didn’t say “elite”) quarterbacks to go around. A basic understanding of markets would tell you that demand outpaces supply, prices go up. Desperation makes it go up even more.

And the 49ers were desperate. Kyle Shanahan and John Lynch do not get another starting quarterback — not after they tried replacing Jimmy Garoppolo for Trey Lance. (It only cost them three first-round picks.)

If not for Purdy, both men would be out of a job right now.

And yet here was Purdy, who only made the Niners wait a matter of weeks to sign a contract that, on the surface, puts him firmly in the middle of the pack of paid quarterbacks.

On a per-year average, Purdy will make less than Jordan Love and Trevor Lawrence on this new deal. He’ll make roughly as much as Tua Tagovailoa and Jared Goff.

All of those quarterbacks — and probably Purdy, too — are in the “are they actually that good?” camp.

As such, their annual cost is that high because the teams that signed those quarterbacks put trap doors in their contracts. The Packers, Dolphins, and Lions have no guaranteed money on their quarterbacks’ deals after the 2026 season. Lawrence’s guaranteed Jacksonville money ends after 2027. The Jags won’t have to worry about converting that deal to pounds, as they won’t move to London by then.

Of course, none of Purdy’s peers in this class of quarterback have played in a Super Bowl, much less put their team in a position to win it. If this was strictly about the dollars, he really could have pushed it. Instead, he took the fair deal.

I’m guessing that the 49ers will have three years of guaranteed money on this Purdy deal, giving them the flexibility to drop him after the 2027 or 2028 deal.

As a point of reference, players like Josh Allen, Lamar Jackson, Patrick Mahomes, and Jalen Hurts make “less” per year because their contracts are effectively career-long deals built to be restructured and extended, not cut, after three or four years.

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And while we’re on the subject of guaranteed money: a deal like this is a big reason you sell six percent of an NFL team like Niners owner Jed York did this week. That deal puts more than $500 million in cash, now in hand, at no interest (which, if you’ve seen recent rates, is a favorable proposition). A nice, nine-figure chunk of it will immediately go into an escrow account for Purdy’s contract, of which 80 percent of the guaranteed money must be put away upon signing.

Exactly how much needs to be put away for Purdy’s new deal isn’t yet public knowledge. And ultimately, the devil is in the details with contracts like these (particularly when we’re talking about the Niners and their contractual booby trap setter, Paraag Marathe). Fully guaranteed money, option years are, void years — this is all stuff for us (and the accountants) to dive into soon.

Alas, without those details (I’m working it!), we’re forced to stick to the headlines.

But this is the real headline:

The 49ers have their quarterback signed. It was a no-fuss, no-muss negotiation that, frankly, resulted in a team-friendly deal.

The Niners’ house is now in order. The No. 1 order of business has been handled.

Now they can get back to the truly difficult thing: working to win football games.

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