Columbia, MO · Boone County › How the sale works
How Selling Your Columbia House to Us Works
USA Home Buyers buys houses as-is in Columbia and Boone County. You can call before every property question is settled; start with the address and what you know about the house.
Questions now? Call 888-274-5006.
Tell us about the houseWe'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 house. Unknown details can be sorted out in the conversation.
Photo: UEnglishmanS / Wikimedia Commons, CC BY 4.0.
Start with what you know
Tell us about the Columbia house
The address, condition, occupancy, access, and timing give us a place to start. A payoff, lien, estate detail, or deadline can be checked as the questions come up; you do not need every answer before the first conversation. Call 888-274-5006 or use the form above.
From the property conversation to settlement
The sale, step by step
Tell us what you know about the house
Start with the Columbia address, the condition, who lives there, and the timing you have in mind. You can start the conversation before every property question is settled. If a payoff, lien, estate detail, or deadline is unclear, tell us what you know so far.
Talk through the property as it is
We talk about condition, access, occupancy, repairs, and what you need the sale to address. 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
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 before you decide. You can accept, counter, decline, or compare another way to sell.
Work through title and payoffs
The title company reviews the deed, who can sign, mortgage payoffs, liens, tax items, and closing documents. A payoff is the amount needed to satisfy a mortgage or other obligation; a lien is a claim for money against the property. You can start before these details are all settled.
Review the settlement sheet and close
The 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.
Compare the written numbers
Two ways to sell to us: Cash Offer or 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.
Written offer and written terms before you commit; title-company closing.
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 might keep after costs with the Columbia home-sale net-proceeds calculator →
Columbia and Boone County closing details
Missouri transfer taxes and deed recording
Missouri's Constitution bars the state, counties, and other local governments from imposing new taxes on the sale or transfer of real estate after December 2, 2010.
County recorders charge $5 for the first deed page and $3 for each additional page, plus per-document fees state law adds. The title company or closing professional confirms the exact recording charges.
Before the signatures
Understand the closing numbers
When you sell to us, we pay the closing costs.
That does not pay your mortgage balance, liens, back taxes, or your 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.
Keep the next question local
Columbia seller questions and resources
Open the page that matches your situation, or compare the settlement numbers with the calculator. You can call or send the address before every property detail is settled.
Common Columbia process questions
Can I contact you before every property question is settled?
Yes. Start with the Columbia address and what you know about condition, occupancy, and timing. You can tell us which details are still unknown.
Do I need to repair or clean out the Columbia house first?
We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Who checks title, liens, and the mortgage payoff?
The title company reviews the deed, who can sign, mortgage payoffs, liens, tax items, and the documents needed for closing. A payoff is the amount needed to satisfy a mortgage or other obligation; a lien is a claim for money against the property.
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.
Does Missouri charge a real-estate transfer tax?
Missouri's Constitution bars the state, counties, and other local governments from imposing new taxes on the sale or transfer of real estate after December 2, 2010.
What does USA Home Buyers pay at closing?
When you sell to us, we pay the closing costs. That does not pay your mortgage balance, liens, back taxes, or your share of current property taxes.
Ready to talk about your Columbia house?
Call 888-274-5006 or start with the address and what you know about the property. Questions before documents or other details are ready are welcome.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Start with the address and what you know. Unanswered property questions can be sorted out in the conversation.