Questions About Selling a House in New York City, NY

We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. You can start with the condition, access, occupancy, and timing you know instead of paying for work before comparing your options.

Cash Offer — USA Home Buyers buys directly. 30 days or less. Lower price. No repairs, no commissions, no closing costs. EZ Sale — goes to one of our partners. 60 days or less. Higher price than the Cash Offer. Still no repairs, no commissions, no closing costs. Compare the written numbers and terms for your house before choosing.

We give written cash offers in 24 hours. The written offer and terms come before you commit; a closing date is a separate part of the property-specific discussion, and the closing is through a title company.

There is no one number for every house. Start with the written price, then account for the mortgage payoff, liens, back taxes, your share of current property taxes, and other costs tied to the property. For a listing, compare likely repairs, cleanout, commissions, concessions, and carrying costs too. Change the assumptions in the New York City net proceeds calculator to compare possible outcomes.

New York State real estate transfer tax is $2 for each $500 of the sale price, or part of $500, when the price exceeds $500. The seller normally pays this state tax, but the sale agreement can provide otherwise; local transfer taxes may add to it. A separate 1% mansion tax applies to residential sales of $1 million or more and is normally paid by the buyer. When you sell to us, we pay the closing costs, including New York State real estate transfer tax and any applicable local real estate transfer taxes. This does not pay your mortgage, liens, back taxes, or share of current property taxes.

Yes. Start with the property address and what you know about its condition, who lives there, and your timing or deadline. A deed, lease, estate paper, payoff statement, lien notice, or court paper may help with follow-up questions, but you can call before gathering everything. Written offer and written terms before you commit; title-company closing.

A sale may still be possible before the foreclosure auction if the mortgage payoff and other closing obligations can be covered. New York foreclosures go through court, and a referee conducts the sale. After the auction, there is no right to buy the house back. If you live there and are in foreclosure or two or more months behind, New York's Home Equity Theft Prevention Act gives you 14 business days to cancel a sale to an investor. Stopping it by paying the lender requires the full amount owed, including applicable interest, fees, and costs. Selling first may help protect any equity you have. Our agreement of sale will often get a foreclosure 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.

Yes, you can ask about selling an occupied house. Bring the lease, occupancy details, access questions, and any written notices into the sale discussion; the actual tenancy affects what can be agreed about access and possession. Read more about tenant-occupied property before setting expectations.

Yes, we can review a house with a mortgage, lien, or unpaid tax record. The title company confirms the property-specific amounts and closing treatment. Our closing-cost payment does not pay your mortgage balance, liens, back taxes, or your share of current property taxes.