The short answer
Yes — you can compare an as-is sale with listing
We give written cash offers in 24 hours. You can read the written offer and terms before you commit, with closing through a title company. The property's condition, ownership, occupancy, payoff, liens, tax status, and any sale deadline still matter to the closing plan.
Cash Offer or EZ Sale: compare the written numbers
A listing or FSBO sale can bring a higher gross price, but weigh preparation, repairs, cleanout, photos, showings, inspection responses, commissions if you use an agent, carrying costs, and time. A direct offer gives you another written number to compare with those costs; the best fit depends on the house and what you want to take on.
We have two ways to buy. A Cash Offer is built for speed, condition, and tough situations — heavy repairs, tight timelines, difficult circumstances. EZ Sale is often the better fit when the house doesn't need major repairs and you want a higher number. Either way, you compare written numbers and you pick what works best for you.
Swipe across the table to compare all four selling options.
| Factor | List with a realtor | FSBO | Cash Offer | EZ Sale |
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| Timeline | Market-dependent | Market-dependent | 30 days or less | 60 days or less |
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| Price | Highest, if it sells | Varies | Lower price | Higher price than the Cash Offer |
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| Repairs | Repairs may be needed before listing or after inspection | The seller handles repair decisions | No repairs | No repairs |
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| Commissions | Agent commissions apply under the listing agreement | No listing-agent commission; the seller handles the sale | No commissions | No commissions |
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| Closing costs | Seller costs depend on the contract and settlement statement | Seller costs depend on the contract and settlement statement | No closing costs | No closing costs |
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| Showings | The seller prepares for and coordinates showings | The seller markets the property and coordinates showings | None | None |
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| Who buys | Retail buyer | Retail buyer | USA Home Buyers buys directly | Goes to one of our partners |
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| Certainty | Depends on the buyer, inspections, financing, and contract | Depends on finding and qualifying a buyer | Written offer and written terms before you commit; title-company closing. | Written offer and written terms before you commit; title-company closing. |
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| Net proceeds | Compare the expected sale price after commissions, repairs, costs, and waiting | Compare the expected sale price after seller-managed costs and work | Compare the written price after your payoff and other property obligations. No commissions. No closing costs. | Compare the written price after your payoff and other property obligations. No commissions. No closing costs. |
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Compare what you would keep after costs with the Johnson City calculator →
Questions about the two options? Call 888-274-5006.
Before you set a date
Who can sign, what stays with the house, and which deadlines matter?
A sale still needs the right owners or estate representative to sign, and a title company checks the ownership, payoff, and closing records. Bring the documents and dates you have; the property's county and actual paperwork determine which office and signers apply.
Inherited house: who signs?
Often, yes. In Tennessee, a house usually passes at death straight to the heirs or people named in the will, unless the will puts the house under the personal representative's control. If the will gives that representative authority over the house or power to sell it, the representative can usually sign; the court's letters show the authority. Otherwise, the heirs or beneficiaries who own the house generally all need to sign the deed. If the estate's other assets cannot pay its debts, the representative or a creditor can ask the court to order a sale. Tennessee's small-estate process covers personal property, not a house. Have the title company confirm who must sign for this property.
Tennessee law: Tenn. Code Ann. §§ 31-2-103, 30-2-402, and 30-4-102. For a Washington County property, the Washington County Probate Court provides local probate information; use the court and records for the property's actual county for Carter or Sullivan County houses.
Foreclosure: can you still sell before the sale?
Often, yes, if the sale closes before the foreclosure sale. Many Tennessee home loans use a deed of trust with a power of sale, which lets a trustee auction the house without a court case. Under the usual notice rules in effect since July 1, 2025, notice must run at least twice in a newspaper published in the county, with the first notice at least 20 days before the sale. A third-party internet posting company must post the notice for at least 20 days in a row. The trustee must mail you a copy by registered or certified mail by the date of the first newspaper notice. Unless the loan papers forbid it, the trustee may postpone the sale one or more times without a new newspaper notice, but the sale must still happen within one year of the original date. Each new date must be announced at the scheduled sale and posted online, unless the delay is less than five days. If the sale is pushed back more than 30 days, the new date, time, and place must be mailed at least 10 days before the sale. For a sale under a deed of trust or mortgage without a court judgment, you have a two-year right to redeem unless the deed of trust or mortgage expressly waives it; a court-ordered sale follows different rules. If a trustee's sale is scheduled, tell us the date right away so we can try to close before it.
Sources: Tenn. Code Ann. § 35-5-101 and 2025 Pub. Ch. 515 for newspaper and online notices; § 66-8-101 for redemption. The Tennessee Secretary of State lists approved third-party internet posting companies.
Tenant-occupied house: does a sale end the lease?
Yes. Selling the house does not cancel the lease; the buyer takes the property subject to it and becomes the new landlord. The Tennessee Uniform Residential Landlord and Tenant Act applies in Sullivan and Washington Counties, but not Carter County, so the property's county matters. In a county where the Act applies, unless you and the tenant agree otherwise, the seller is released from later lease obligations after the tenant receives written notice of the sale and the security deposit is transferred to the buyer. Ending a month-to-month tenancy generally takes at least 30 days' written notice before the rent date named in the notice; a week-to-week tenancy takes at least 10 days. A fixed-term lease or other protections may require a different approach. Bring the lease, deposit records, notices, and access limits into the sale discussion.
Tennessee law: Tenn. Code Ann. §§ 66-28-102, 66-28-301, 66-28-305, and 66-28-512. The county-specific coverage rule is described in Tennessee Public Chapter 182 (2021).
Tennessee realty transfer tax
Tennessee charges a realty transfer tax when the deed is recorded: 37 cents for each $100 of the price paid or the property's value, whichever is greater. State law makes the buyer responsible, and the county Register of Deeds collects this state tax. Some transfers are exempt, including certain transfers between spouses, divorce settlements, an executor's deed carrying out a will, and transfers into or out of a revocable living trust.
When you sell to us, we pay the closing costs, including Tennessee's realty transfer tax. Your mortgage, liens, back taxes, and share of current property taxes are separate. Ask the title company to confirm the amount and whether an exemption applies to your deed.
Tennessee Department of Revenue: recordation taxes; Tenn. Code Ann. § 67-4-409(a).
Want to talk through your Johnson City house?
Call 888-274-5006 or return to the form at the top of the guide. Bring the property address and the questions that matter to your sale.
Go to the written-offer form ↑