Calculators · Selling & Closing
Cash Offer vs Traditional Sale Calculator
Compare a cash offer with a traditional sale on equal terms: price, fees, repairs, concessions, carrying costs and time to close, using only the figures you enter.
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How this calculator works
A cash offer can be faster and simpler; a traditional sale often brings a higher price but takes longer and may need repairs or concessions. The difference is in the numbers, and the numbers depend on your house.
Nothing here is assumed. Enter the offer you have, a realistic sale price from recent comparable sales, and the costs on each side.
- Net for each option = price − fees and compensation − repairs, credits and concessions − carrying costs while you wait.
- Loan payoffs and prorations apply to both options, so they are left out to keep the comparison clean. Use the Seller Net Sheet for a full estimate.
Worked example
Hypothetical figures to show the math. They do not describe typical offers or prices. These are the numbers the calculator above starts with after these inputs are entered.
Inputs
- Cash offer amount
- $300,000
- Buyer or service fee charged to you
- $0 (0%)
- Your closing costs
- $1,500
- Days to close
- 14
- Months you keep paying for the home
- 0.5
- Expected sale price
- $340,000
- Brokerage compensation you agree to
- $17,000 (5%)
- Your closing costs
- $3,500
- Repairs and preparation
- $6,000
- Concessions to the buyer
- $4,000
- Days to sell and close
- 75
- Months you keep paying for the home
- 2.5
- Monthly cost to own the home
- $2,500
Results
- Cash offer net
- $297,250
- Traditional sale net
- $303,250
- Difference
- $6,000
Common questions
Is a cash offer guaranteed?
No offer is final until it is in a signed contract, and even then contracts can include inspection or other contingencies. Read the terms.
How do I estimate the traditional sale price?
Use recent sales of similar homes nearby. Michael can prepare a pricing opinion for your home.
What carrying costs should I include?
Mortgage interest, taxes, insurance, utilities, HOA dues and upkeep for each month the home is on the market and under contract.
Related calculators
Estimate only. Actual loan terms, eligibility, insurance, taxes, and settlement charges require verification. These are planning estimates, not a lender Loan Estimate, Closing Disclosure, appraisal, or approval. Michael O'Neal is a real estate broker, not a lender, appraiser, attorney or tax adviser.
Next step
Let's compare your selling options.
Michael can price your home from recent comparable sales and lay out your options side by side.