Questions About Selling a House in Ashland, KY

The sale price is not the amount you keep. Net proceeds are what remains after sale costs and balances tied to the property. Compare your written price with the mortgage payoff, liens, back taxes, your share of current property taxes, and any repairs, commissions, concessions, cleanout, or carrying costs for another sale path.

• Compare possible Ashland net proceeds with the calculator →

Yes. USA Home Buyers buys houses as-is in Ashland, KY and Boyd County. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.

• Read the Ashland seller guide →

Cash Offer is a direct purchase by USA Home Buyers, 30 days or less, at a lower price. EZ Sale goes to one of our partners, 60 days or less, at a higher price than the Cash Offer. Both have no repairs, no commissions, and no closing costs. Compare the written numbers and choose what works best for you.

• See the Cash Offer and EZ Sale comparison →

We give written cash offers in 24 hours. Written offer and written terms before you commit; title-company closing. Review the timing in the written terms for your property.

• See how the Ashland sale process works →

When you sell to us, we pay the closing costs, including the Kentucky real estate transfer tax. Kentucky's transfer tax is 50 cents for each $500 of value or fraction of $500, about 0.1%. The law assigns the tax to the grantor—the seller—and the county clerk collects it before the deed can be recorded. Some transfers are exempt; the title company can confirm whether an exemption applies. Recording fees are separate items. Your mortgage balance, liens, back taxes, and share of current property taxes remain separate.

• Read Kentucky Revised Statutes §142.050 →
• Compare possible sale costs with the Ashland calculator →

A sale may still be possible if the loan can be paid off before the sale. Kentucky foreclosures go through circuit court: the lender files a lawsuit, and if it wins a judgment, the court orders the house sold at a public auction run by the master commissioner. By court rule, the commissioner generally must hold the sale within 90 days after the case is referred; two disinterested people appraise the house first, and the sale is advertised at least once, 7 to 21 days before the auction. The court must confirm the sale before the buyer gets a deed. If the house sells for less than two-thirds of its appraised value, the owner can redeem it within six months by repaying the sale price plus 10% interest and certain costs. Our agreement of sale will often get a master commissioner's sale postponed so we can close. Signing alone doesn't postpone it automatically; we use the agreement to ask for the postponement, and it works more often than people think. Check the current court schedule and payoff for the specific case; an agreement does not automatically change a court deadline.

• Read about foreclosure in Ashland and Boyd County →
• KRS 426.530 — redemption after certain foreclosure sales →
• KRS 426.560 — judicial-sale advertising →
• Kentucky Supreme Court Order 2024-40 — master commissioner sale rules →

Yes. You can call before you have every document. Start with the Ashland property address, what you know about its condition, who lives there, and your timing. A deed, notice, payoff statement, or other paper may help answer a follow-up question, but you do not need everything gathered to start.

• Review the steps in an Ashland sale →
• Open Ashland and Boyd County seller resources →