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Interactive guide · Real Estate

How to Calculate Cash Offer vs Listing

What a fast cash sale really nets against listing on the open market.

Open as a plain tool
The formula

How this number is built

cash net = offer − payoff · listing net = price − commission − closing − concessions − repairs − carrying costs − payoff
Step by step

Calculating it yourself

Step 1

Establish fair market value from recent comparable sales, not from an online estimate alone.

Step 2

Get the cash offer in writing with the contingencies and closing date stated.

Step 3

Price the repairs a listing would actually require, using contractor quotes.

Step 4

Add carrying costs for the realistic days on market in your area, not the best case.

Step 5

Compare net proceeds, never headline price against headline offer.

Questions

What people ask next

Why are cash offers below market?

The buyer takes on repairs, carrying costs and resale risk, and prices those in. A discount of roughly 15% to 30% of market value is typical.

Are cash offers really guaranteed?

Read the contract. Some contain inspection or assignment clauses that let the buyer renegotiate or walk after you have committed.

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