McAllen, TX · Hidalgo County seller guide
Yes. USA Home Buyers buys houses as-is in the City of McAllen and Hidalgo County, Texas.
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Written offer and written terms before you commit; title-company closing.
Call 888-274-5006 or send the address to ask for a written cash offer.
Compare your choices
A listing can fit when the house is ready to show and you can take on preparation and waiting for a buyer. Compare the likely sale price with repair and cleanout work, showings, inspection requests, commissions, concessions, utilities, insurance, taxes, and the time you may carry the property. The asking price is not the amount you keep.
Compare written price and terms with your payoff, property costs, access, occupancy, and title questions. You do not need to repair, clean, or clear out the house to sell to us. Your mortgage, liens, back taxes, and share of current property taxes remain separate from our closing-cost promise.
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 |
|---|---|---|---|---|
| Timeline | Market-dependent | Market-dependent | 30 days or less | 60 days or less |
| Price | Highest, if it sells | Varies | Lower price | Higher price than the Cash Offer |
| Repairs | Repairs may be needed before listing or after inspection | The seller handles repair decisions | No repairs | No repairs |
| Commissions | Agent commissions apply under the listing agreement | No listing-agent commission; the seller handles the sale | No commissions | No commissions |
| 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 |
| Showings | The seller prepares for and coordinates showings | The seller markets the property and coordinates showings | None | None |
| Who buys | Retail buyer | Retail buyer | USA Home Buyers buys directly | Goes to one of our partners |
| 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. |
| 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. |
Compare what you would keep after costs with the McAllen calculator →
Questions about the two options? Call 888-274-5006.
Steps and numbers
1
Share the address, what needs work and who lives there. Tell us when we can see it and when you want to sell.
2
We give written cash offers in 24 hours.
3
Written offer and written terms before you commit; title-company closing.
Market measures describe the source's stated place and period; they are not a price or net-proceeds estimate for one house. Compare the written options with the costs and timing that apply to your address.
Compare a listing estimate with what you might keep after costs using the McAllen home-sale net-proceeds calculator. Change the assumptions to fit the property; the result is an estimate, not an offer.
Local property context
The City of McAllen identifies the Las Palmas Historic District and 17th Street Downtown Design Guidelines. Those names do not establish a particular parcel's designation or boundaries. If a historic designation or planned project matters to your sale, ask the City about the property address before budgeting work.
The City's historic-preservation page is the starting point for its district and design-area information. Confirm the status of the actual address rather than relying on a nearby place name.
McAllen's Health & Code Enforcement page describes Imagine Tomorrow as a program for substandard or vacant residential structures and empty lots, with listed demolition, development, and home-repair incentives or grants. Check the City's current program details; this does not establish a property's eligibility or available funding.
The City provides Building Permits and Inspections routes for construction and related inspections. Ask about the specific address and work in question; these pages do not establish a universal inspection requirement at sale or the permit history of a particular house.
Paperwork, costs, and deadlines
Written offer and written terms before you commit; title-company closing. Ask the title company to review the recorded ownership and the settlement items for this address.
Start with the deed and any estate, trust, or court papers. The title company can review the recorded owners and identify the signers needed for this property. If authority is unclear or disputed, ask a Texas attorney about the specific documents.
Texas has no state, county, or city real estate transfer tax on a sale that conveys full ownership. The deed is still signed before a notary and recorded with the county clerk. Recording charges are based on the pages filed, and a deed that leaves out the buyer's mailing address costs more to record; ask the Hidalgo County Clerk about current requirements and charges.
When you sell to us, we pay the closing costs. Your mortgage, liens, back taxes, and share of current property taxes are separate.
Texas Constitution, Article VIII, Section 29 · Texas Legislative Council analysis of proposed amendments · Hidalgo County Clerk's Office
Include the lease, who lives in the house, access limits, and the possession plan you want considered. Use the actual lease and any court papers to check the requirements for your situation.
Often, yes, if a sale closes before the foreclosure sale. In Texas, a lender usually forecloses on a home without going to court. A trustee or substitute trustee runs that non-judicial sale. For property used as your residence, the loan servicer must first send a written notice of default by certified mail and give at least 20 days to catch up before a sale can be noticed. Then, at least 21 days before the sale, the notice must be posted at the courthouse, filed with the county clerk, and sent by certified mail to each borrower. The sale is a public auction at the county courthouse, usually on the first Tuesday of the month between 10 a.m. and 4 p.m.; it must start no later than three hours after the time stated in the notice. Some foreclosures go through court instead and follow different steps.
If a trustee's sale is scheduled, tell us the date right away so we can try to close before it.
Texas State Law Library: foreclosure before the sale · Texas State Law Library: the foreclosure sale · Hidalgo County foreclosure search
Where to find help
The City of McAllen Tax Office and Hidalgo County Tax Assessor & Collector are separate offices. Contact the relevant office for current information about the property address; neither link establishes a balance, exemption, or appraisal here.
City of McAllen Tax OfficeHidalgo County Tax Assessor & Collector
Testimonials are real, from our transactions, verified and approved by our attorneys. Each example keeps its actual location.
Yes. USA Home Buyers buys houses as-is in the City of McAllen and Hidalgo County, Texas. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
We'll give you a written cash offer within 24 hours.
You receive the written offer and written terms before you commit; the closing is through a title company.
The title company can review the recorded owners and the estate, trust, or court papers to identify who must sign for this property. Hidalgo County lists a Probate Department and Probate Court 1 and Court 2 as county contacts; those listings do not determine a particular estate or signer. If authority is unclear or disputed, ask a Texas attorney about the specific papers.
Include the lease, occupancy, access limits, and the possession plan you want considered when comparing a sale. Use the actual lease and any court papers to check the requirements for your situation.
No. Texas has no state, county, or city real estate transfer tax on a sale that conveys full ownership. When you sell to us, we pay the closing costs; your mortgage, liens, back taxes, and share of current property taxes are separate.
No. A market measure describes its stated area and period; it is not a price or net-proceeds estimate for one address. Condition, repairs, occupancy, payoff, and selling costs affect what you may keep.
Talk through the property
Call 888-274-5006 or send the address, the condition you know, who lives there, and the date that matters to you.
We'll give you a written cash offer within 24 hours.
Share the address and what you know about the house.