Honest comparison
Cash Offer vs. Listing With an Agent
Both are good options in different situations. Here is a straightforward look at the trade-offs for Phoenix-area sellers.
Cash offer from USA Home Help
Listing with an agent
Repairs and cleaning
None. We buy as-is.
Often needed to attract buyers and pass inspection.
Showings
One walkthrough, scheduled around you.
Multiple showings and open houses while listed.
Commissions
No agent commissions.
Typically a percentage of the sale price, negotiable.
Closing costs
Spelled out in your written offer.
Seller usually pays a share.
Financing risk
No buyer loan that can fall through.
Buyer loans and appraisals can delay or cancel a sale.
Inspections and repair requests
No repair requests after the walkthrough.
Buyers often ask for repairs or credits after inspection.
Timeline
Close in as little as 3 days, or on the date you choose.
Time on market plus the buyer’s escrow period.
Sale price
Usually below full retail value, in exchange for speed and convenience.
Often the highest price for homes in good, show-ready condition.
Best for
Homes needing work, inherited homes, tenants, tight or uncertain timelines.
Updated homes, flexible timelines, sellers who want top dollar.
A cash sale may fit if…
The house needs repairs you do not want to make, you inherited it, there is a tenant, you are facing a deadline, or you simply value certainty and convenience over the highest possible price.
Listing may fit better if…
Your home is updated and in good shape, you have time for showings and escrow, and getting top dollar matters more than speed. In that case an agent may net you more, and we will tell you so.
Commission rates are negotiable and vary. Figures on this page are general and not a promise of any specific price or result.
Next step
Want to see both numbers?
Request a no-obligation cash offer and compare it side by side with what listing might look like.
We are real estate investors, not agents. Every offer is reviewed with you, with no obligation.
Get your free cash offer
Takes about a minute. No obligation, no pressure.
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