Selling to us vs. listing with an agent
A higher list price doesn't always mean more money in your pocket. Once you take out commissions, repairs, closing costs and the months of carrying costs, the gap can be smaller than it looks.
| Listing with an agent | Selling to Sticky Notes | |
|---|---|---|
| Commissions and fees | Commonly 5–6% of the sale price, plus other fees | None |
| Who pays closing costs? | Usually split between buyer and seller | We pay them |
| Inspection and financing contingencies | Yes. The deal can fall apart if the buyer's loan or inspection fails | None. We pay cash |
| Appraisal needed? | Usually, if the buyer has a loan | No |
| Time until sold | Often weeks to months on the market, then 30–45 days to close | As soon as title is ready, or on your date |
| Number of showings | As many as it takes | One walkthrough |
| Closing date | Set by the buyer and their lender | You choose |
| Who pays for repairs? | The seller, often after the inspection | Nobody. We buy as-is |
| Title problems or several heirs | Usually must be fixed before listing | We help sort it out |
Run your own numbers
Plug in your own estimates to see roughly what you'd walk away with from listing, then compare it to a cash offer. These are rough estimates for comparison only.
Estimated take-home from listing
When listing is the better choice
If your house is in good shape, the title is clean and you have time to wait, listing it will often get you more money. We'll tell you that if it's true. Hunter is also a licensed Kentucky real estate agent, so he can talk through both options with you.
What's a contingency?
Most buyers' contracts depend on things going right: their loan getting approved, the inspection, the appraisal. If any of those fail, the deal can fall through and you start over. We pay cash and don't use bank financing, so there's no loan to fall through.
Ready to see your offer?
It's free, there's no obligation, and you'll talk to a local person, not a call center.