Ashland, KY · Boyd County · How the process works
How Selling Your Ashland House to Us Works
USA Home Buyers buys houses as-is in Ashland, Kentucky and Boyd County. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. Start with the address and what you know; you can talk with us before every property question is settled.
Call 888-274-5006 to talk about the house, or ask for a written cash offer using the form beside this explanation.
Tell us about the houseWe give written cash offers in 24 hours.
Start with the address and what you know about the house. Open questions can be part of the first conversation.
We'll give you a written cash offer within 24 hours.
Start with what you know
Tell us about the house
Share the address, condition, who lives there, access, and the timing you are considering. Mention repairs, a mortgage payoff, lien, tax notice, court notice, tenant, or estate paperwork if any of those are part of the situation. You do not need every answer or document before the first conversation.
A conversation with USA Home Buyers
We talk through the house as it is, what matters to you, and the choices available. Call 888-274-5006 with the questions you have now.
From the first conversation to settlement
The sale, step by step
Tell us what you know about the property
Start with the address, condition, occupancy, access, and timing. If an estate, payoff, lien, tax account, tenant, or notice is involved, bring it up. You can leave unanswered property questions for the conversation.
Talk through the house and your options
We ask practical questions about repairs, access, occupancy, ownership, and timing, then review the property as it sits. Compare a direct sale with listing, repairing, waiting, or another option that fits your plans.
Read the written offer and terms
We give written cash offers in 24 hours. Written offer and written terms before you commit; title-company closing. Read the price, responsibilities, possession, timing, costs, and property-specific terms before deciding whether to proceed, compare another path, or stop before signing.
Work through title, authority, and payoffs
If you choose to proceed, the title company checks the deed, who can sign, mortgage payoff information, liens, taxes, and the documents needed for settlement. Bring the current statements, notices, or estate papers you have so the title questions can be checked against this property.
Review the settlement sheet and close
A settlement sheet shows how the sale money breaks down. 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.
You're going to get a fair price and not have to do anything. Just show up at settlement.
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 | None |
| 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 | Written offer and written terms before you commit; title-company closing. | Written offer and written terms before you commit; title-company closing. |
| 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 Ashland calculator →
Questions about the two options? Call 888-274-5006.
Ashland and Boyd County detail
Check the property, not just the mailing address
The City of Ashland is in Boyd County. The city-boundary fact does not settle the title, court, or tax status of an individual parcel. If a property record or notice raises a question, the title company checks the records that apply to that house.
Closing numbers
Review the settlement figures and Kentucky transfer tax
The settlement sheet breaks down the sale price, mortgage and other payoffs, liens, taxes, costs, and the amount scheduled for disbursement. Ask about any line you do not recognize.
Kentucky calls it the real estate transfer tax. The rate is 50 cents for each $500 of value or fraction of $500—about 0.1%. The law assigns it to the grantor, meaning the seller, and the county clerk collects it before the deed can be recorded. Some transfers are exempt; have the title company confirm whether an exemption applies. When you sell to us, we pay the closing costs. This does not pay your mortgage balance, liens, back taxes, or share of current property taxes.
When the process gets difficult
We stay with the process
It's real estate. Sometimes there are bumps in the road. We won't disappear when that happens, and we'll be fighting to get this to the closing table.
Questions and contact
Find the guidance that fits your situation
Ashland Home Sale Net Proceeds Calculator
CalculatorCompare what you would keep from listing your house or selling as-is for cash. Change the repair costs, cleanout, monthly bills and closing costs to fit your house.
Call 888-274-5006 or send the address and what you know about the house. You can start before every question is answered.
Ashland sale-process questions
Can I start before every property question is settled?
Yes. Start with the Ashland address and what you know about condition, occupancy, access, and timing. You can call 888-274-5006 or use the form with open questions about ownership, a payoff, a lien, taxes, or an estate still to be sorted out.
What do I see before deciding whether to sell?
We give written cash offers in 24 hours. Written offer and written terms before you commit; title-company closing. Read the price, responsibilities, possession, timing, costs, and property-specific terms before deciding whether to proceed, compare another path, or stop before signing.
Who checks title, signing authority, and payoffs?
If you choose to proceed, the title company checks the deed, who can sign, mortgage payoff information, liens, taxes, and the documents needed for settlement. Bring any current statements, notices, or estate papers you have so the questions for this property can be checked.
How does Kentucky real estate transfer tax appear in the closing figures?
Kentucky's real estate transfer tax is 50 cents for each $500 of value or fraction of $500, about 0.1%. The law assigns it to the grantor—the seller—and the county clerk collects it before the deed can be recorded. Some transfers are exempt; the title company can confirm whether an exemption applies. When you sell to us, we pay the closing costs. Mortgage balances, liens, back taxes, and the seller's share of current property taxes remain separate.
What does the settlement sheet show?
It shows how the sale money breaks down. 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.
Start with the property details
Tell us about the Ashland house
Send the address and the details you have now. You do not need every ownership, payoff, or estate question answered before starting.
Or call 888-274-5006 to talk through the house.
We give written cash offers in 24 hours.
Start with the address and what you know about the house. Open questions can be part of the first conversation.
We'll give you a written cash offer within 24 hours.