Richmond, KY · Madison County · Seller questions
Questions About Selling a House in Richmond, KY
USA Home Buyers buys houses as-is in Richmond and Madison County, Kentucky. These answers cover what you may keep, repairs, timing, closing costs, and questions about foreclosure or local permits.
Call 888-274-5006 or use the form. You can start with the house and question you have now.
We give written cash offers in 24 hours.
Share the address, what you know about the property, and your question. You can start before every detail is settled.
Money and choices
Compare what you keep, not just the sale price
Net proceeds are what remain after sale costs and payoffs. A useful comparison includes the written price, repairs, commissions, other selling costs, carrying costs, and any mortgage or lien balances. Change the calculator assumptions to fit your house rather than relying on a headline price.
Compare possible Richmond net proceeds with the calculator →
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 Richmond calculator →
Questions about the two options? Call 888-274-5006.
Useful questions about selling in Richmond
What would I keep if I sell my Richmond house for cash?
Net proceeds are what remain after sale costs and payoffs, not just the sale price. Compare written numbers against a realistic listing plan, including repairs, commissions, other selling costs, carrying costs, and any mortgage or lien payoff. The actual amount depends on the Richmond property and its written terms.
Do I need to repair, clean, or clear out the house before selling to you?
No. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
What is the difference between a Cash Offer and EZ Sale?
USA Home Buyers buys directly with the Cash Offer: 30 days or less and a lower price. EZ Sale goes to one of our partners: 60 days or less and a higher price than the Cash Offer. Both: no repairs, no commissions, no closing costs. EZ Sale showings: Yes, partner visits. Compare the written numbers and terms for your house before choosing.
How soon will I get a written cash offer?
We give written cash offers in 24 hours. You get the written offer and terms before you commit, and closing is through a title company.
How does Kentucky real estate transfer tax work on a house sale?
Kentucky real estate transfer tax is 50 cents for each $500 of value, or fraction of $500—about 0.1%. State law makes the grantor, usually the seller, responsible for the tax; the value includes the full price paid, including liens the buyer takes over. Some transfers are exempt, so ask the title company whether an exemption applies to your sale. Recording fees are separate. When you sell to us, we pay the closing costs, including the Kentucky real estate transfer tax. This does not pay your mortgage, liens, back taxes, or your share of current property taxes.
Can I sell a Richmond house that is in foreclosure?
A sale may still be possible if the loan can be paid off before the sale. Kentucky foreclosures go through circuit court: the lender files a lawsuit, and if it wins a judgment, the court orders the house sold at a public auction run by the master commissioner. By court rule, the commissioner generally must hold the sale within 90 days after the case is referred, two disinterested people appraise the house first, and the sale is advertised at least once, 7 to 21 days before the auction. The court must confirm the sale before the buyer gets 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.
Who handles building permit and inspection questions for a Richmond property?
For construction within the City of Richmond, the City Building Inspections office handles plan review, permits, and inspections.
Can I call before I have every paper or decision figured out?
Yes. Call us with the question you have, even if you have not gathered every paper or made a decision.
Start with a question
You can call before you have everything figured out
You do not need every document or a final decision before calling. Call 888-274-5006 with the question on your mind, and we'll sort it out with you.
Local help
Richmond building permits and inspections
Sorting through a permit or inspection question? Call us — we'll talk it through with you.
More detail
Richmond seller guides and next steps
Still have a Richmond house question?
Call 888-274-5006 or use the form above. Tell us what is making the sale difficult, starting with the facts you know.