Cash vs. Listing: The Real Math

Sellers often get stuck on the "Top Line" number - the highest possible sale price. But the only number that matters is the "Bottom Line" - what lands in your bank account. Let's compare a traditional listing vs. a cash offer.

The Scenario

• Home Value (Perfect Condition): $500,000
• Current Condition: Needs cosmetic updates (paint, carpet, landscaping).

Option A: Traditional Listing

• Sale Price: $500,000
• Repairs Needed: -$15,000 (to get that price)
• Commissions (6%): -$30,000
• Closing Costs (2%): -$10,000
• Holding Costs (4 months): -$8,000 (Mortgage, taxes, insurance while listed)
• Concessions: -$5,000 (Buyer asks for credits after inspection)
• NET TO SELLER: $432,000

Option B: Cash Offer

• Offer Price: $440,000
• Repairs: $0
• Commissions: $0
• Closing Costs: $0 (We pay them)
• Holding Costs: $0 (Close in 7 days)
• NET TO SELLER: $440,000

The Verdict

In this scenario, the "lower" cash offer actually puts $8,000 more in your pocket, and saves you 4 months of stress.

Note: Every home is different. Request a free analysis to see your specific numbers.

Frequently Asked Questions

Do I get more money selling with a realtor or to a cash buyer?

It depends on your situation. Our example shows a cash offer netting $8,000 MORE than a traditional sale when you factor in repairs, commissions, and holding costs.

Why would anyone take a lower cash offer?

Speed, certainty, and convenience. Cash sales close in 7-14 days with no repairs, no showings, and no risk of the deal falling through due to financing.