Compare your options
Cash Offer vs Listing With an Agent
Both are good ways to sell a house. The right one depends on the condition of the house and how much time you have.
| Sell to Virtus | List with an agent | |
|---|---|---|
| Sale price | Cash offer below full market value | Usually the highest price |
| Commissions | None | Paid from your proceeds at closing |
| Closing costs | Nothing out of pocket | Seller usually pays a share |
| Repairs | None, sold as is | Often needed before or after inspection |
| Showings | 1-3 Short Visits | Open houses and repeat showings |
| Time to close | The date you choose | Weeks to months, tied to the buyer's loan |
| Risk the deal falls through | Low. No loan approval needed | Financing and inspection can end the deal |
| Monthly costs while you wait | Stop at closing, often within weeks | Mortgage, taxes and utilities continue |
A cash offer fits when
- The house needs repairs you cannot or will not make
- You have a deadline such as a foreclosure date or a move
- The house is inherited, vacant or has tenants
- You want a sure sale more than the top price
Listing fits when
- The house is in good, move in ready shape
- You have a few months and can handle showings
- Getting the highest price matters most
If listing is the better choice for you, we will say so.