Questions About Selling a House in Louisville, KY

We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. Tell us what needs work and what is still in the house; you do not need to finish repairs or cleanout before asking about a cash offer.

Read about code notices and repair-heavy houses in Louisville →

The sale price is not the amount you keep. Net proceeds are what remains after the costs and balances tied to the sale, including a mortgage payoff, liens, back taxes, and your share of current property taxes. Compare the possible net from each sale path, not only its headline price.

Compare possible Louisville net proceeds with the calculator →

A Cash Offer is a direct purchase by USA Home Buyers; EZ Sale goes to one of our partners. Their stated timing and price differ. The comparison below shows the terms for each, including that both list no repairs, no commissions, and no closing costs. Compare the written numbers for your house.

See the Cash Offer and EZ Sale comparison below →

We give written cash offers in 24 hours. Written offer and written terms before you commit; title-company closing. The written-offer timeframe is separate from a property-specific closing date; title and the details of the sale affect closing timing.

Read the Louisville seller guide →

Kentucky's real estate transfer tax is 50 cents for each $500 of value, or fraction of $500 — about 0.1%. The seller (the deed's grantor) owes it under state law, and the county clerk collects it before the deed can be recorded. Some transfers are exempt, and recording fees are separate; the title company can confirm what applies to your sale. When you sell to us, we pay the closing costs, including the Kentucky real estate transfer tax. Mortgage balances, liens, back taxes, and your share of current property taxes remain separate.

Compare possible sale costs and net proceeds →

• Kentucky real estate transfer tax law (KRS 142.050) →

A sale may still be possible if the loan can be paid off before the court-ordered sale. Kentucky foreclosures go through Circuit Court: the lender files a lawsuit, and after judgment a master commissioner runs a public auction. The court must confirm the sale before the buyer gets a deed. 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. If the house sells for less than two-thirds of its appraised value, Kentucky law lets the owner redeem it within six months by repaying the sale price, 10% interest, and certain costs. That later redemption rule does not change the current auction date, so check the case docket and sale notice promptly.

Read about foreclosure questions in Louisville →

• Kentucky Supreme Court master commissioner sale rules →
• Kentucky foreclosure-sale redemption law (KRS 426.530) →

Yes. You can call before every estate document is gathered. For closing, the deed and any estate or court records need to make clear who has authority to sign; a title company can review those documents for the property. Start with the address and whatever you know about the house and estate.

Read about inherited property in Louisville →

Yes. Tell us about the lease, who lives there, access limits, and any notices already involved. The lease and any current process affect access and possession, so include those details when comparing sale paths.

Read about tenant-occupied houses in Louisville →

Start with the property address, what you know about its condition, who lives there, and your timing. A deed, lease, payoff statement, tax or lien notice, or court paper can help answer the next question, but you can call before you have everything figured out.

See the Louisville seller guide for more detail →