USA Home Buyers buys houses as-is in Wilmington and New Castle County. These answers cover what you may keep, repairs, timing, costs, and paperwork before you decide.
Call 888-274-5006 with a question, or use the form.
Share the address, the question you have, and the timing you're working with.
Redfin September 2026 and Zillow September 2026 market data
Sources: Zillow’s Home Value Index and Redfin’s recent-sale data for Wilmington, DE. Zillow data covers September 2026; Redfin data covers September 2026.
Money and choices
A sale price is not the amount you take home. Compare the written price with the costs and obligations tied to your house, including repairs, selling costs, mortgage payoff, liens, back taxes, and your share of current property taxes.
Change the assumptions in the Wilmington calculator to compare possible outcomes. For the two buying options, review the written terms and compare the numbers before choosing.
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 Wilmington, DE calculator →
Questions about the two options? Call 888-274-5006.
Start with net proceeds—the money left after the sale costs and property obligations—not just the sale price. Repairs, cleaning or cleanout, agent commissions, holding costs, taxes, mortgage payoff, liens, and your share of current property taxes can change the amount. The numbers depend on the house and the written terms.
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. Cash Offer is a direct purchase by USA Home Buyers with a term of 30 days or less and a lower price. EZ Sale goes to one of our partners, with a term of 60 days or less and a higher price than the Cash Offer. Both have no repairs, no commissions, and no closing costs.
No. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. You don't have to fix anything before asking about an offer.
We give written cash offers in 24 hours. You get a written offer and written terms before you commit, and we close through a title company. Close as fast as 7 days when title and closing details allow.
Inside Wilmington city, the combined realty transfer tax is 4% of the value: 2.5% for Delaware and 1.5% for the City. The state portion is split equally between seller and buyer; the city portion falls on the seller unless the parties agree otherwise. When you sell to us, we pay the closing costs, including Delaware's state realty transfer tax and Wilmington's real property transfer tax. Your mortgage, liens, back taxes and share of current property taxes are separate.
Often, yes, if the sale can close before the sheriff's sale. Delaware foreclosures go through Superior Court. For an owner-occupied home with 1 to 4 units, the lender normally sends a notice of intent and waits 45 days before filing, with exceptions. After you are served, a mediation meeting is set 45 to 75 days later. You must appear in person; the law also asks you to meet with a HUD-approved housing counselor and file a Certificate of Participation within 30 days. If you do not answer the case, the court can enter judgment and order the house sold. The sheriff posts notice at least 10 days before the sale and advertises it for 2 weeks in newspapers. The court must confirm the sale before the buyer gets a deed; after confirmation, there is no right to buy the house back. If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it.
Yes. You can call even if you do not have every document. We can discuss how tenants, an estate, divorce, or other owners affect a sale and help identify what will be needed before closing.
Start with a question
You can call before you have everything figured out. Tell us what is happening with the house, and we can talk through what matters for your sale. You do not need a complete file to start the conversation.
Call 888-274-5006 or use the form above.
The New Castle County Sheriff’s Office publishes sale notices for local foreclosure cases. You can call us about how a scheduled sale date affects your options.
These pages answer common questions about specific situations, the sale process, and local resources.
“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.”
Call 888-274-5006 or send the address and tell us what you are trying to figure out.
Share the address and the question you want to start with.
Redfin September 2026 and Zillow September 2026 market data
Sources: Zillow’s Home Value Index and Redfin’s recent-sale data for Wilmington, DE. Zillow data covers September 2026; Redfin data covers September 2026.