Cash Buyer vs. Real Estate Agent: The Honest Comparison
Should you list with a realtor or sell to a cash buyer? We break down the real costs, timelines, and benefits of each to help you decide.
| Feature | Listing with an Agent | Selling to Pace |
|---|---|---|
| Sale Price | Full Market Value (less fees) | Fair offer, below market |
| Commissions / Fees | ~6% of sale price | 0% |
| Closing Costs | ~2-3% paid by seller | We pay all costs |
| Repairs & Prep | Often required (painting, fixing, staging) | None, we buy 'as-is' |
| Closing Timeline | 60-90+ days | 7-14 days (or your schedule) |
| Showings / Open Houses | Yes, multiple required | No, just one walkthrough |
| Financing Contingency | Yes, buyer's loan can fall through | No, we pay with cash |
| Certainty of Sale | Not guaranteed | Guaranteed once offer is accepted |
Frequently Asked Questions
Will I make more money with an agent?
You will likely get a higher sale price with an agent, but you won't necessarily walk away with more money. After agent commissions (5-6%), closing costs (2-3%), repair costs, and holding costs, the net profit can be very similar to a fair cash offer.
Is it faster to sell to a cash buyer?
Yes, significantly. A cash sale can close in 7-14 days. A traditional sale with an agent takes an average of 60-90 days, and that's only after you've spent time making repairs and preparing the house for sale.
When is a cash buyer a better option?
A cash buyer is often a better option if you are facing a tight timeline (relocation, foreclosure), if the house needs significant repairs you can't afford, if you inherited the property and want a simple process, or if you simply value convenience and certainty over the highest possible price.
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