Cash Offer vs. Listing: The Real Math for Lancaster Sellers

What a listing actually nets

Start with the sale price, then subtract what comes out of it:

• Agent commission, typically around 5 to 6 percent of the price.
• Seller-paid closing costs and transfer taxes.
• Repairs and prep the buyer or inspection requires.
• Carrying costs while it sits: mortgage, taxes, insurance, and utilities for every month on market.
• Price reductions if it does not sell quickly.

The commission alone is real money

On a $300,000 home, agent commission alone is $15,000 to $18,000 before any of the rest. Add closing costs, a few repairs, and two or three months of carrying costs, and the amount that never reaches your pocket adds up fast.

What a cash offer nets

A cash offer is lower up front, but the deductions mostly disappear:

• No agent commission.
• No repairs; the home sells as-is.
• Apex covers the closing costs.
• Days, not months, of carrying costs.
• The number you accept is the number you net, minus only your mortgage payoff.

A simple way to compare

Take your likely listing price, subtract 6 percent commission, a few thousand in closing costs, your expected repairs, and two to three months of carrying costs. Compare that net to the cash offer. Often the gap shrinks to a few percent, and for a home that needs work or a seller who needs speed, the cash number can come out ahead. Because Apex both lists and buys, we will show you both numbers honestly and let you choose.