San Francisco, CA · San Francisco County

Can I Sell My San Francisco House With Back Taxes or Liens?

When you sell to us, we can set it up so you don't have to prepay anything — it comes out at closing.

Yes. USA Home Buyers buys houses in San Francisco, CA and San Francisco County with back taxes or liens. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.

Call 888-274-5006 or use the form below to ask for a cash offer.

Talk through your San Francisco lien or tax question

Share the property address and what you know about the tax bill, lien notice, payoff, or creditor. You can call before you have every record or balance.

We'll give you a written cash offer within 24 hours.

We give written cash offers in 24 hours.

Share the address and what you know about the notice, payoff, creditor, or tax account.

By submitting, you agree to our Privacy Policy and Terms of Service. You consent to receive calls and texts from USA Home Buyers. We never share your information.

Prefer to call? 888-274-5006.

How lien and tax payoffs work

A lien is a claim that can affect property title or money due at closing. A payoff is the current amount and instructions a creditor or public office gives to satisfy its claim. An older statement can help identify the account, but the creditor or office named on it confirms the current figures and instructions.

When you sell to us, we pay the closing costs. Your liens are paid off from the sale at closing.

The title company checks ownership and records that affect the sale. The creditor or public office confirms its own balance and any payment or release instructions. Mortgage balances, liens, back taxes, and your share of current property taxes are separate from the closing costs covered by our promise.

Records that can help

Start with the San Francisco property address and parcel number if you have it. A current property-tax bill or notice, mortgage payoff statement, lien or court paper, case number, or sale notice can help identify the next question. The creditor or office named on a record confirms its current balance; the title company checks records that affect the sale. Bring what you have, even if it is incomplete. You can call before you have everything assembled.

If the payoff is the problem

Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.

What happens next

  1. 1. Talk through the property

    Tell us the San Francisco address, what you know about the house, and the notice or payoff question. You do not have to work out the balance before you call.

  2. 2. Review the house and written terms

    We review the house as it stands and put the proposed offer and terms in writing before you decide whether to proceed. Written offer and written terms before you commit; title-company closing.

  3. 3. Confirm title and payoff details

    If you choose to proceed, the title company checks the ownership and records needed for the transaction. The creditor or public office confirms current payoff and release instructions for its account.

  4. 4. Review the closing figures and close

    Review the final closing figures, including confirmed payoffs and other settlement items, with the title company before the title-company closing.

San Francisco County office and California transfer-tax facts

A property-tax matter, including a tax-sale notice, is separate from a lender mortgage foreclosure. They have different records and status checks; follow each notice with the office or creditor that issued it. For mortgage-foreclosure questions, see our San Francisco foreclosure page.

San Francisco Assessor-Recorder ↗

See the official San Francisco County department page for county-office information. For a specific tax balance or sale status, use the office named on the bill or notice; the title company checks the property-specific records for a sale.

California documentary transfer tax

California counties charge documentary transfer tax of $0.55 for each $500 of value, or fraction of $500 ($1.10 per $1,000). It applies when consideration is over $100, not counting a lien or loan that remains on the property after the sale. State law allows a city to take half of the county rate as its own share, credited against the county tax; some cities add a larger tax on top. The title company or escrow should confirm the applicable city and county taxes and taxable amount for the property. When you sell to us, we pay the closing costs, including the county documentary transfer tax and any city transfer tax. This promise does not pay a mortgage, liens, back taxes, or your share of current property taxes.

Read California Revenue and Taxation Code § 11911 on county documentary transfer tax →

Read California Revenue and Taxation Code § 11931 on city transfer tax →

Compare possible net proceeds

Use the San Francisco home-sale net proceeds calculator with your own estimates for value, mortgage payoff, liens or back taxes, repairs, and other costs. Just an estimate — the actual number could be more or less depending on the home's condition.

Open the San Francisco home-sale net proceeds calculator →

What sellers say about USA Home Buyers

San Francisco property liens and back taxes questions

Can I sell my San Francisco house with back taxes or liens before paying them?

Yes. When you sell to us, we can set it up so you don't have to prepay anything — it comes out at closing. We buy houses in San Francisco, CA and San Francisco County with back taxes or liens; the current payoff details are checked for the sale.

Who checks the current balance and payoff instructions?

The creditor or public office named on the bill or notice confirms its current balance and payment or release instructions. The title company checks the ownership and records that affect the sale and works through the property-specific closing figures.

What records should I have before I call?

Start with the property address and anything you have: a property-tax bill or notice, mortgage payoff statement, lien or court paper, case number, or sale notice. You can call before you have everything assembled.

Are a property-tax sale and a mortgage foreclosure the same thing?

No. A property-tax matter, including a tax-sale notice, and a lender mortgage foreclosure are separate matters with different records and status checks. Follow each current notice with the office or creditor that issued it. The San Francisco foreclosure page covers mortgage-foreclosure questions.

What transfer tax applies when a San Francisco house sells?

California counties charge documentary transfer tax at $0.55 for each $500 or fraction of $500, and cities may impose their own transfer taxes. The title company or escrow confirms the applicable local tax and taxable amount. When you sell to us, we pay closing costs, including the county documentary transfer tax and any city transfer tax. Mortgage balances, liens, back taxes, and your share of current property taxes are separate.

What if the payoff is more than my house is worth?

Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.

What happens after I contact USA Home Buyers?

We talk through the house and the information you have, review the property as-is, and put proposed terms in writing before you decide. If you choose to proceed, the title company checks the records for the sale and confirms closing figures with the relevant creditor or public office before the title-company closing.

More San Francisco seller information

Talk through the property

Call 888-274-5006 or use the form above. Start with the San Francisco address and whatever tax, lien, or payoff information you have.

Prices, timing and your selling options

Home prices in San Francisco

Median sale price
$1,587,500
Redfin · San Francisco, CA; Three months ending August 2026
Median days on market
20 days
Redfin · San Francisco, CA; Three months ending August 2026
Homes sold
1,557 homes
Redfin · San Francisco, CA; Three months ending August 2026
Typical home value (Zillow ZHVI)
$1,424,767
Zillow · San Francisco, CA; As of August 2026
For-sale inventory
893 homes
Zillow · San Francisco, CA; As of August 2026

Homes in San Francisco, CA sold for a median of $1,587,500 for the three months ending August 2026 (Redfin). Repairs and condition affect what someone will pay for your house. Homes in San Francisco, CA spent a median of 20 days on the market for the three months ending August 2026 (Redfin). You still have bills while waiting to sell, including utilities and any mortgage payments. Allow time for closing, too.

Call Now 888-274-5006