Baltimore, MD · Baltimore City · How the process works
How Selling Your Baltimore House to Us Works
USA Home Buyers buys houses in Baltimore City, Maryland — an independent city and county-equivalent. You can start with what you know about the house; you do not need every answer before the first conversation.
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Call 888-274-5006 to talk through the property.
Ask us about a cash offerStart with what you know
Tell us about the house
The address, condition, occupancy, access, and timing give us a starting point. Tell us what is known and what is still uncertain. You can talk with us about the property before every question is settled.
USA Home Buyers reviews Baltimore City houses and explains the written choices. You decide what to do after you have the terms in front of you.
Call 888-274-5006.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the address and what is going on with the house.
From the first conversation to settlement
The sale, step by step
Tell us what you know about the house
Start with the address, condition, who lives there, access, and the timing you have in mind. If there is an estate, tenant, mortgage payoff, lien, tax balance, or title question, bring it up. You can start before every property question is settled.
Talk through the property and what is going on
We ask practical questions about repairs, occupancy, access, ownership, and timing, then review the house as it sits. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Read the written offer and terms before you decide
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 conditions. You can ask questions before deciding whether to proceed.
Let the title company check title and payoffs
The title company checks the deed, ownership, who can sign, mortgage payoffs, liens, taxes, and documents needed for settlement. Estate authority, a court matter, or a specific payoff may also need review by the appropriate professional or office.
Review the settlement sheet before closing
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.
Choose whether to proceed and close
If you decide to sell to us: 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 Baltimore City calculator →
Questions about the two options? Call 888-274-5006.
Local closing detail
Baltimore City is its own taxing jurisdiction
Baltimore City is an independent city and county-equivalent, not Baltimore County. Maryland lets each county and Baltimore City set its own recordation-tax rate. That means the title company needs to identify the rate for the property in Baltimore City when it prepares the settlement figures; do not substitute a Baltimore County amount.
Maryland law on county and Baltimore City recordation-tax rates
Before you sign
Read the settlement figures and tax lines
The settlement sheet shows the sale price, mortgage and other payoffs, liens, taxes, other costs, and the amount scheduled to be paid out. Ask the title company to explain any line you do not recognize and to show the contract allocation for this property.
Maryland's state transfer tax is 0.5% of the sale price. Maryland law generally presumes the buyer and seller split state transfer and recordation taxes unless the contract says otherwise. For a first-time Maryland home buyer who will live in the home, the state rate is 0.25%; the seller pays the state tax, recordation tax, and local transfer taxes unless the parties expressly agree otherwise. Some transfers are exempt. The title company can show which rates, exceptions, and allocations apply to your sale.
When you sell to us, we pay the closing costs.
That closing-cost promise does not pay your mortgage balance, liens, back taxes, or your share of current property taxes; those are separate settlement figures.
Read the Maryland state transfer-tax law, the law on who pays transfer tax, and the law on recordation tax.
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.
Compare the estimated amount you might keep after costs with the Baltimore home-sale net proceeds calculator. The figures are estimates; the title company confirms the final settlement numbers.
If something gets difficult
We keep working toward closing
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.
Keep the next question local
Baltimore seller questions and situation pages
Choose the page that fits the issue you are sorting out, or use the calculator to compare estimated net proceeds.
Questions about selling to us in Baltimore City
Can I start before I have every answer about the house?
Yes. Start with the Baltimore City address and what you know about the condition, occupancy, access, repairs, and timing. You can bring up an estate, payoff, lien, tax balance, or title question even if some details are still unclear.
Do I need to repair, clean, or empty the house first?
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
What is the difference between Cash Offer and EZ Sale?
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 — 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.
Who checks the payoff, liens, and final settlement figures?
The title company checks the deed, ownership, signing authority, mortgage payoffs, liens, taxes, and documents needed for settlement. 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.
What closing costs do you pay when I sell to you?
When you sell to us, we pay the closing costs, including Maryland's state transfer tax, recordation tax and any applicable county transfer tax. Your mortgage balance, liens, back taxes, and share of current property taxes are separate settlement figures.
Ready to talk through your Baltimore City house?
Call 888-274-5006 or use the form to start with the address and what you know. Questions before every document is ready are welcome.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the address and the situation.