Cash Offer vs. Listing Calculator

A higher list price doesn't always mean more money in your pocket. Compare a cash offer with listing, including repairs, commissions and the months of payments while you wait.

How it works

• Listing: sale price − commissions − closing costs − repairs − buyer credits − monthly costs while the home sells.
• Cash offer: offer − any closing costs you pay − monthly costs until a quick closing.
• The difference is what speed and certainty cost, or save, in your situation.

Frequently asked questions

Why are cash offers lower than list price?

A cash buyer pays for repairs, carrying costs, selling costs and the risk of the project, and needs a profit. In return you skip repairs, showings, commissions and the wait, and you choose the closing date.

When does a cash sale make sense?

When the home needs major repairs, you need to move quickly, you've inherited a property, you're behind on payments, or you'd rather not deal with tenants, showings or a buyer's inspection list.