Cash Offer
- USA Home Buyers buys directly.
- 30 days or less.
- Lower price.
- No repairs, no commissions, no closing costs.
Chico, CA · Butte County · How it works
How Selling Your Chico, CA House to Us Works
USA Home Buyers buys houses as-is in Chico and Butte County. Tell us what you know about the house, then compare written terms before deciding whether to sell to us. You can start before every property question is settled.
Start with the houseStart with what you know
Tell us about the Chico house
Share the address, condition, who lives there, access, and timing. Include a mortgage statement, lien notice, estate paper, or other property detail if it is part of the situation. You do not need every answer before the first conversation.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the address, condition, occupancy, and timing so we can start with the actual property.
From first contact to settlement
The Chico sale process, step by step
Step 1: Tell us what you know about the house
Start with the address, condition, who lives there, access, and the timing you have in mind. You can start the conversation before every property question is settled. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Step 2: Talk through the property and your choices
We discuss the house as it sits, including repairs, occupancy, access, ownership, and timing. We explain the sale choices and review the property with you. You can ask questions and compare a direct Cash Offer, EZ Sale, listing, or another path.
Step 3: Read the written offer and terms
You receive a written offer and written terms before you commit. Read the price, responsibilities, possession, timing, costs, and any property-specific conditions. Ask questions before deciding whether to proceed, compare another option, or stop before signing.
Step 4: The title company checks the details
The title company reviews the deed, who can sign, mortgage payoffs, liens, taxes, and any estate authority needed for the sale. Keep the statements, notices, and estate papers you have so the right questions can be answered. A payoff or lien is shown separately from the closing costs.
Step 5: Review the settlement sheet together
The settlement sheet shows the sale price, payoffs, taxes, costs, and the amount scheduled for disbursement. 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.
Step 6: Sign and close through the title company
If you choose to proceed, the title company handles the closing paperwork and confirms the final settlement figures. You're going to get a fair price and not have to do anything. Just show up at settlement.
Two ways to sell to us
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.
EZ Sale
- Goes to one of our partners.
- 60 days or less.
- Higher price than the Cash Offer.
- No repairs, no commissions, no closing costs.
Compare the written program terms, responsibilities, possession, timing, and costs. Use the Chico home-sale net-proceeds calculator to compare estimated figures and editable costs.
Local detail
Check the property’s city limits
Chico is an incorporated city in Butte County. If a property is near the city boundary, the City of Chico’s GIS page provides a City Limits Map for orientation. The title company or escrow can confirm the parcel’s jurisdiction and any transfer tax that applies.
Closing numbers
Read the settlement sheet and transfer-tax lines
The settlement sheet lists the sale price, mortgage payoffs, liens, taxes, closing costs, and the amount scheduled for disbursement. California counties charge documentary transfer tax of $0.55 for each $500, or fraction of $500, of taxable value—equivalent to $1.10 per $1,000. The taxable amount, any exemption, and any city tax depend on the property and transaction; ask the title company or escrow to confirm the figures for this sale.
When you sell to us, we pay the 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 settlement items.
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.
Useful Chico seller pages
Get help with the situation you’re facing
Choose the page that matches the next question, or use the calculator to compare estimated sale figures. You can call before every property detail is settled.
Chico process questions
Do I need every property detail figured out before I contact you?
No. Start with what you know about the address, condition, occupancy, access, and timing. You can ask questions while other property details are being sorted out.
What happens if there is a mortgage, lien, or estate issue?
The title company checks the deed, signing authority, mortgage payoffs, liens, taxes, and any estate authority needed for the sale. Keep relevant statements, notices, and estate papers available so the right questions can be answered.
How are a Cash Offer and EZ Sale different?
With a Cash Offer, USA Home Buyers buys directly, in 30 days or less, at a lower price. With EZ Sale, the house goes to one of our partners, in 60 days or less, at a higher price than the Cash Offer. Neither choice requires repairs, commissions, or closing costs.
How do I know which transfer tax applies to a Chico property?
California documentary transfer tax depends on the taxable amount, the property location, and any exemption. The title company or escrow confirms the county tax and any city tax for the specific property.
How can I compare what I might keep from different sale options?
Use the Chico home-sale net-proceeds calculator to compare estimated figures and editable costs. The title company confirms the final settlement numbers for a sale.
Ready to talk through your Chico house?
Call 888-274-5006 or start with the property address, condition, occupancy, and timing in the form above. Questions before documents are ready are welcome.