City of El Paso, Texas · El Paso County · Back taxes and liens

Can I sell my El Paso house with back taxes or liens?

When you sell to us, we can set it up so you don't have to prepay anything — it comes out at closing.

Yes. USA Home Buyers buys houses as-is in El Paso and El Paso County, Texas, for cash. We buy houses with back taxes or liens, and you can call before you have every payoff record. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.

Ask us for a written cash offer. You receive the written offer and terms before you commit; if you choose to proceed, closing is through a title company. Call 888-274-5006 or use the form to talk through the property.

We'll give you a written cash offer within 24 hours.

We give written cash offers in 24 hours.

Share the address and what you know about the lien, tax notice, or payoff.

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How lien and back-tax payoffs work

When you sell to us, we pay the closing costs. Your liens are paid off from the sale at closing.

The current amount comes from the creditor or tax office holding the account, not just an older bill or statement. The title company checks the property records and works with the confirmed payoff instructions in the closing figures. Closing costs are separate from your mortgage balance, liens, back taxes, and share of current property taxes.

Records that help—and when to call

Start with the property address. If they are handy, a recent property-tax bill or notice, mortgage or lien statement, creditor or court paper, parcel information, and any tax-sale or foreclosure notice can help. The creditor or office named on a notice confirms its current balance and instructions; the title company checks the property records for the sale. You can call before you have everything.

If the payoff is the problem

Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.

What happens next

  1. 1. Talk through the house. Call or send the El Paso address and what you know about the lien, tax bill, notice, or timing. You can start before you have every record.
  2. 2. Review the house as-is. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
  3. 3. Read the written offer and terms. We give you a written cash offer within 24 hours and put the sale terms in writing before you commit. Review the proposed price, payoff treatment, and other terms before deciding.
  4. 4. Work through title and payoff details. If you choose to proceed, the title company checks the property records and works with the creditor or tax office on the confirmed payoff information.
  5. 5. Review the closing figures and close. The title company reviews the sale figures, including confirmed payoffs and other amounts that apply. The sale closes through the title company under the written terms you accepted.

El Paso County records, tax notices, and Texas transfer tax

A recorded lien, a tax-account balance, and a lender's mortgage payoff are different items. Use the office that handles the specific record or account, and follow the notice and case information for any tax-sale or mortgage-foreclosure matter.

El Paso County property records

The El Paso County Clerk's Recording Division records and indexes property records. Use it for recorded-document questions; a recorded document does not confirm a creditor's current payoff amount.

El Paso County Clerk, Recording Division →

500 E. San Antonio, Suite 105, El Paso, TX 79901

City property-tax accounts and tax-sale notices

The El Paso Consolidated Tax Office handles City property-tax account and payment questions. The City directs appraisal questions to the El Paso Central Appraisal District (EPCAD), a separate appraisal district. For a delinquent-tax or tax-sale notice, use the case and office named on that notice; a tax matter is separate from a lender's mortgage-foreclosure case.

El Paso Consolidated Tax Office and EPCAD appraisal information →

221 N. Kansas, Suite 300, El Paso, TX 79901 · (915) 212-0106

For a lender's mortgage-foreclosure process, see the separate El Paso foreclosure page.

Texas real-estate transfer tax and recording fees

Texas has no state, county, or city real-estate transfer tax on a sale that conveys full ownership of the property. The deed still has to be signed before a notary and recorded with the County Clerk. Recording fees are based on pages, not the sale price; the Clerk or title company can confirm current document requirements and charges.

When you sell to us, we pay the closing costs.

That does not pay your mortgage, liens, back taxes, or share of current property taxes; those are separate items in the closing figures.

Texas Constitution, Article VIII, Section 29 →Texas Legislative Council background on Section 29 →

El Paso County Clerk, Recording Division →

Compare possible net proceeds

Use your own estimates to compare a possible listing with an as-is sale, including a mortgage payoff, liens or back taxes, and other costs you know about. The calculator is an estimate, not a final settlement figure.

Open the El Paso home-sale net proceeds calculator →

Questions and contact

Call 888-274-5006 or use the form above to talk through the property and the information you have. You do not need to wait until you have every record.

Browse El Paso seller resources or see how the El Paso sale process works.

Questions about El Paso property liens and back taxes

Can I sell my El Paso house with back taxes or liens before paying them?

When you sell to us, we can set it up so you don't have to prepay anything — it comes out at closing. USA Home Buyers buys houses as-is in El Paso and El Paso County, Texas. Call with the property address and whatever you know about the lien or tax notice; you can start before you have every record.

Who checks the current lien or property-tax payoff?

The creditor or tax office responsible for the account confirms its current balance and payoff instructions. The title company checks the property records and uses the confirmed figures in the sale settlement.

What records should I have ready before I call?

Start with the El Paso property address. If you have them, a recent tax bill or notice, mortgage or lien statement, creditor or court papers, parcel information, and any case or tax-sale notice can help. You can call before you have everything.

Is a property-tax sale the same as a mortgage foreclosure?

No. A delinquent-property-tax or tax-sale matter is separate from a lender’s mortgage-foreclosure case. Follow the notice and case information for the property. For mortgage-foreclosure questions, see the El Paso foreclosure page.

What if the payoff is more than my El Paso house is worth?

Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.

Does Texas charge a real-estate transfer tax when I sell?

Texas has no state, county, or city real-estate transfer tax on a sale that conveys full ownership of the property. A deed still has to be notarized and recorded, and recording fees are separate from a transfer tax. When you sell to us, we pay the closing costs. Your mortgage, liens, back taxes, and share of current property taxes are separate.

What happens after I contact USA Home Buyers?

We talk through the house and the information you have, review the property as-is, and give you a written offer and written terms before you commit. If you choose to proceed, a title company checks title and payoff details for closing.

What sellers say about USA Home Buyers

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