| Listing with an agent | Selling to CSRA Homebuyer | |
|---|---|---|
| Commissions | Typically 5–6% of the sale price (negotiable) | None |
| Seller closing costs | Often 1–2%, plus any buyer concessions | None. We pay them. |
| Repairs | Usually negotiated after the buyer's inspection | None. We buy as-is. |
| Inspection & financing contingencies* | Yes. The sale can fall through. | None |
| Appraisal | Usually required by the buyer's lender | Not needed |
| Showings | As many as it takes | One walkthrough |
| Time to close | Time on market, plus 30–60 days after an accepted offer | As few as 14 days, or your date |
| Sale price | Full market value (if the house shows well) | Below retail, reflecting repairs and our costs |
Example: Net Proceeds on a $200,000 Augusta House
These numbers are illustrative. Every house is different, and we'll run the numbers for yours. Say the house would sell for $200,000 after about $15,000 of repairs and updates:
| Listing with an agent | Amount |
|---|---|
| Sale price | $200,000 |
| Repairs and updates before listing | −$15,000 |
| Commission (5.5%) | −$11,000 |
| Seller closing costs and concessions (~2%) | −$4,000 |
| Holding costs: mortgage, taxes, insurance, utilities (4 months × $1,600) | −$6,400 |
| Approximate net before mortgage payoff | $163,600 |
A cash offer on the same house, as-is, might land in the $150,000–$165,000 range with no repairs, commissions, closing costs or months of payments. It closes in a few weeks, and there's no risk of the buyer backing out. The gap is often smaller than people expect, and sometimes there's no gap at all.
Listing is often the better choice if your house is in good shape and you can wait. A cash sale makes the most sense when the house needs work, time matters, or you just want certainty. We'll tell you honestly which one we think fits.
What You Gain With a Cash Sale
Close in weeks, not months
Every month a house sits on the market costs you a mortgage payment, taxes, insurance and utilities. Closing in as few as 14 days stops those costs.
No fixing up, no cleaning for showings
We buy houses with fire damage, hoarding, bad roofs and foundation issues. You don't have to fix anything or keep the house show-ready for weeks.
No closing costs or commissions
We pay the closing costs. What we offer is what you get, minus any mortgage payoff or liens on the property.
See Your Numbers
Get a no-obligation offer and compare it with what a listing would net you. Fill out the form or call (706) 397-4774.