Free seller tool

Cash offer vs. repair-and-sell

Compare selling for cash with repairing, listing and selling.

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Compare sale options

Enter 0 for costs that do not apply. Amounts are in US dollars.

Cash offer

Cash offer price ($)

Use the written cash purchase price before additional deductions.

Buyer / service fee (%)

Enter the quoted percentage fee, or 0 if none.

Other fees and closing costs ($)

Include title costs, seller-paid taxes and charges not entered elsewhere.

Mortgage and lien payoff ($)

Use a payoff balance through this scenario’s expected closing date.

Cash-sale repairs or credits ($)

Enter only costs not already deducted from the cash offer.

Other deductions ($)

Enter remaining seller-paid costs once.

Monthly holding costs ($)

Include housing payments, insurance, utilities and upkeep while waiting.

Days until cash closing

Calendar days from today through the cash closing.

Repair and sell

Sale price after repairs ($)

Enter your expected sale price after repairs, not a guaranteed valuation.

Agent commission (%)

Enter your negotiated seller-paid percentage, or 0 if none.

Other fees and closing costs ($)

Include title costs, seller-paid taxes and charges not entered elsewhere.

Mortgage and lien payoff ($)

Use a payoff balance through this scenario’s expected closing date.

Repair budget and credits ($)

Include repairs before listing and any additional buyer credits, once each.

Other deductions ($)

Enter remaining seller-paid costs once.

Monthly holding costs ($)

Include housing payments, insurance, utilities and upkeep while waiting.

Repair + listing + closing days

Include the full repair, marketing and closing period in calendar days.

Enter the cash offer and repair-and-sell prices to begin.

Seller-net calculation and timing

Estimated net = sale price − percentage fee − other fees − payoff − repairs or credits − other deductions − holding costs.

Holding costs = monthly amount × calendar days ÷ 30. Each percentage fee and holding amount is rounded once to the nearest cent. For repair-and-sell, include the time for repairs, marketing and closing, not just the closing period.

Enter every cost only once. Do not enter repairs again if they already reduced the cash offer. If holding costs include mortgage payments, use a payoff balance adjusted for those payments; do not subtract the same principal twice. Confirm payoff interest, tax prorations and final charges with your lender and closing agent.

Your repair budget, resale price and timing are your inputs, not estimates supplied by GetHomeCash. This is a planning worksheet, not a home valuation, a closing statement or a purchase offer. Calculations stay in this browser; no email, address or account is required. Reloading clears your entries.

Sale-option comparison checklist

For a cash offer, confirm the purchasing entity, proof of funds, closing agent and earnest-money arrangements.
Read inspection, price-adjustment, assignment, cancellation and possession terms before comparing the headline price.
For repair-and-sell, use written repair bids and negotiated selling fees. Allow time and budget for delays, listing and buyer financing.
Check who pays each closing cost and verify liens, payoff interest, tax prorations and any leaseback charges.
Get changes in writing and confirm final figures with your closing agent.

Bottom line

Compare the cash offer with the expected repair-and-sell proceeds after all costs and the full waiting period. Then weigh the contract conditions, repair uncertainty and time involved separately. This worksheet does not recommend a buyer or guarantee a sale price.

No offer request is made through this tool.

Cash offer vs. repair-and-sell

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