New Albany Building Department
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New Albany, IN · Seller questions
Questions About Selling a House in New Albany, IN
USA Home Buyers buys houses as-is in New Albany and Floyd County. Find answers about what you keep, repairs, costs, timing, paperwork, and difficult selling situations.
Ask about your house or paperwork: call 888-274-5006 or use the form. You can start with what you know.
We give written cash offers in 24 hours.
Share the address, the question you are working through, and any timing you already know.
Money and choices
Start with what you could keep
Compare what may remain after repairs and selling costs, not just the sale price. A mortgage payoff, liens, back taxes, and your share of current property taxes are separate amounts to account for.
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 New Albany calculator →
Questions about the two options? Call 888-274-5006.
New Albany seller questions, answered
Can I sell my New Albany house without fixing it first?
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Can I see the offer and terms before I decide?
You get a written offer and written terms before you commit, and we close through a title company.
How soon can a sale close?
Close as fast as 7 days when title and closing details allow.
What costs do I pay when I sell to you?
No fees. No agent commissions when you sell to us. When you sell to us, we pay the closing costs. A mortgage payoff, liens, back taxes, and your share of current property taxes are separate.
What will I see on the settlement sheet?
We always review the settlement sheet with the seller and walk through how the money breaks down so there is no confusion. We try to do that the day before closing so settlement is smooth; the title company confirms the final numbers. A settlement sheet shows the money coming in and going out for the sale.
What does Indiana charge when a house is transferred?
Indiana requires a property-transfer filing with the county auditor for property-tax records. The filing fee is usually $20, though some transfers are exempt. Deed recording and other closing charges are separate. When you sell to us, we pay the closing costs.
Can I sell if a sheriff’s sale is scheduled?
Indiana mortgage foreclosures go through court. Before the sheriff's sale, you can redeem the property by paying the full judgment, interest, and costs through the clerk or sheriff, depending on the stage — paying only overdue installments is not the same (Indiana Code §32-29-7-7). To sell before the sale date, the payoff has to be handled in time. Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. Call us promptly when you know the date.
Who can sell an inherited Indiana house?
A court-appointed personal representative — the person handling the estate — can generally sell estate property in an unsupervised estate without a separate sale order. A will can also give the representative power to sell; if neither route applies, a court order may be needed. A valid transfer-on-death deed recorded before the owner’s death may pass the house to the named beneficiary outside probate. If you need an estate attorney, we can help you find one.
Can I sell my New Albany rental with tenants still living there?
You don't always need to evict to sell to us. We buy houses with tenants in place — we've done it many times, including cash-for-keys when that works better for everyone. Selling a rented house does not by itself end the rental agreement; the lease, rent, and security-deposit balance need to be accounted for at closing.
What if my house has fire damage?
We buy the house exactly as it stands, and you keep your insurance proceeds. If you still have a mortgage, your lender may have a say in how that check is used — we'll walk through it with you.
Can I sell a house with back taxes or liens?
You don't need to pay off your back taxes before we settle. We buy houses with back taxes and liens — payoffs get handled through the closing, not by you upfront.
Start with a question
You can call before everything is figured out
You can call with just a question, even if you do not have every paper or date in front of you. Tell us what is going on with the house, and we’ll talk it through with you. Not sure? Call us — we’ll sort it out with you.
Call 888-274-5006.
Local help for New Albany and Floyd County questions
New Albany city offices handle city building questions; Floyd County offices handle county matters. Not sure which office fits your question? Call us — we’ll sort it out with you.
Floyd County offices
The Floyd County Auditor receives Indiana property-transfer filings; county offices also provide local court and property information.
Floyd County Circuit Court
Floyd County probate and estate matters.
Floyd County Sheriff Sales
Sheriff-sale information for Floyd County.
Indiana Code §32-29-7-7
Indiana mortgage-foreclosure redemption law.
Indiana Code — estate sale authority
Indiana law on personal-representative authority to sell estate property.
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.”
More New Albany selling help
- New Albany home-sale net proceeds calculator →Compare possible listing and cash-sale proceeds with numbers you can change.
- New Albany seller guide for 2026 →A practical guide to selling a house in New Albany.
- New Albany and Floyd County seller resources →Find local offices and useful Indiana resources.
- Selling an As-Is House in New Albany IN: Your Options →Compare ways to sell an as-is house in New Albany.
Still have a New Albany sale question?
Call 888-274-5006. You can ask about the house before you have every detail figured out.