Murray, KY · Calloway County · Seller questions
Questions About Selling a House in Murray, KY
USA Home Buyers buys houses as-is in Murray and Calloway County. These answers cover what you may keep, repairs, Kentucky closing costs, timing, paperwork, and situations like inherited, tenant-occupied, or repair-heavy houses.
We answer 24/7 at 888-274-5006. You can also start with the form; you do not need every detail settled first.
We give written cash offers in 24 hours.
Share the address, what you know about the house, and the question on your mind.
Money and choices
Compare what you keep, not just the sale price
Net proceeds are what remain after sale costs and payoffs. Compare the written price with repairs, commissions, carrying costs, mortgage payoff, liens, back taxes, and your share of current property taxes. The right assumptions depend on your house and its sale terms.
Cash Offer or EZ Sale: compare the written numbers
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 | Yes, partner visits |
| 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 | You get a written offer and written terms before you commit, and we close through a title company. | You get a written offer and written terms before you commit, and we close through a title company. |
| 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 Murray calculator →
Questions about the two options? Call 888-274-5006.
Useful questions about selling in Murray
What would I keep if I sell my Murray house for cash?
Net proceeds are what remains after sale costs, payoffs, and property-specific adjustments—not just the sale price. A mortgage payoff, liens, back taxes, and your share of current property taxes affect what you keep. Compare the written price with the costs and assumptions for your own house.
Do I need to repair, clean, or clear out the house first?
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
How quickly can I get a written cash offer?
We give written cash offers in 24 hours. The offer timing is separate from a property-specific closing date; the written terms show the sale path and timing to review before you decide.
Do I see the offer and terms before I commit?
Yes. You can review the written offer and sale terms before you commit. If you choose to sell, closing takes place through a title company.
How does Kentucky’s real estate transfer tax work?
Kentucky’s real estate transfer tax is 50 cents for each $500 of value, or fraction of $500. State law assigns the tax to the seller, and the county clerk collects it before the deed is recorded. Some transfers are exempt, and recording fees are separate; the title company can confirm what applies to a particular sale. When you sell to us, we pay the closing costs, including the Kentucky real estate transfer tax. Mortgage payoffs, liens, back taxes, and your share of current property taxes are separate.
Can I sell an inherited house before every estate paper is ready?
The person appointed by the court as personal representative must have authority to sell. If the will gives that person power to sell real estate, a separate court order is usually not needed. Without that power, the personal representative must ask District Court for an order; the order must be final and the appeal time must expire before the deed can be conveyed. A surviving spouse may have rights even if not named on the deed. The will, appointment, deed, and any court order determine who can sign.
Can I sell a rental house while a tenant still lives there?
Yes. Selling the house does not end the lease, and Kentucky law allows the sale without the tenant’s consent. The buyer takes over as landlord. A tenant who pays rent to the old owner before receiving notice of the sale does not have to pay that rent a second time.
Can I sell while a Kentucky foreclosure is underway?
A sale may still be possible if the loan can be paid off before the sale. Kentucky foreclosures go through circuit court, and a master commissioner conducts the public auction after judgment; the court must confirm the sale before the buyer receives 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.
Can you buy a house with an open code violation?
Yes, we can review a house with code issues. Kentucky cities and counties can enforce local codes, and certain recorded enforcement costs can become liens. A sale does not by itself erase a recorded lien. When you sell to us, we’re the buyer, so the repairs become our job.
Start with a question
You can call before you have everything figured out
You do not need every paper gathered or a final decision made. We can start with the house, what is happening, and the timing that matters to you. Call 888-274-5006 and ask the question on your mind.
Local help
Calloway County deed-recording questions
Murray is the Calloway County seat. Kentucky’s real estate transfer tax is collected by the county clerk before a deed is recorded. For a deed-recording question, Calloway County lists the Clerk’s Deeds line at 270-767-0429, at 101 South 5th Street.
More detail
Murray seller guides and next steps
What our sellers say
“LISTEN, PROPERTY TAXES GOT TOO HIGH FOR MY FIXED INCOME. SOLD IT TO THEM. WALKED AWAY WITH CASH. GLAD IT'S OVER.”
“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”
“no open houses. no realtors tracking dirt in. just a straight cash sale for our house so we could move. Glad it's over.”
Still have a Murray house question?
Call 888-274-5006 or use the form above. You can ask a question before you have every answer.