Covington, KY · Kenton County · How the sale works

How Selling Your Covington House to Us Works

USA Home Buyers buys houses as-is in Covington and Kenton County. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. You can start the conversation before every property question is settled; tell us what you know about the house and we can talk through what still needs to be checked.

You can call with a question or start with the property form. Call 888-274-5006.

Tell us about the house

Start with what you know

Share the address, condition, occupancy, access, and timing. You do not need every property question settled before the first conversation.

We'll give you a written cash offer within 24 hours.

We give written cash offers in 24 hours.

Share what you know about the property and the sale questions in front of you.

From the first conversation to settlement

The sale, step by step

1. Tell us about the house
Start with the Covington address, the house's condition, who lives there, access, ownership, and the timing you have in mind. If an estate, mortgage payoff, lien, tax account, tenant, or notice is part of the situation, tell us what you know. You can start before every property question is settled.
2. Talk through the property and your choices
We ask practical questions about the house as it stands, including condition, repairs, occupancy, access, and timing. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. Then we can talk through the sale paths that fit the property and what still needs to be checked.
3. Read the written offer and terms
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 whether to proceed, compare another path, or stop before signing.
4. Work through title, authority, and payoffs
The title company reviews ownership, who can sign, mortgage payoff information, liens, taxes, and the documents needed for closing. Bring any current statements, notices, or estate papers you have. If something is still unknown, start with what you know while the needed records are identified.
5. 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.

Two ways to sell to us

Compare the 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.

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 Covington home-sale calculator →

A Kenton County closing detail

Check local deed-recording instructions

The Kenton County Clerk publishes real-estate recording requirements and a real-estate FAQ. Those pages are a local reference for recording questions; the title company can identify the documents needed for your sale.

Closing numbers

See how the settlement figures add up

The settlement sheet lays out the sale price, mortgage payoff, liens, taxes, closing costs, and the amount scheduled for disbursement.

Kentucky's real estate transfer tax is 50 cents for each $500 of value or fraction of $500. The seller, called the grantor in the statute, owes it, and the county clerk collects it before the deed can be recorded. The taxable value includes the full price paid, including any liens the buyer takes over. Some transfers are exempt, so the title company can check whether an exemption applies to your sale. Recording fees are separate. See Kentucky Revised Statutes § 142.050, real estate transfer tax ↗.

When you sell to us, we pay the closing costs.

Mortgage balances, liens, back taxes, and your share of current property taxes are separate settlement items.

When things get difficult

We keep working through the bumps

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 next step for your Covington house

Call 888-274-5006 or use the property form above. You can begin with what you know before every property question is settled.

Covington home-selling overview → · Covington seller reviews →

Questions about selling a Covington house

Can I start before every property question is settled?

Yes. Start with the Covington address and what you know about the condition, occupancy, access, ownership, and timing. You can raise the details that are still unknown during the conversation.

Do I need to repair or clean the house before selling to you?

We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.

What are the Cash Offer and EZ Sale choices?

Who checks the title, payoff, and lien information?

The title company reviews ownership, who can sign, mortgage payoff information, liens, taxes, and the documents needed for closing. Bring any statements, notices, or estate papers you have; you can start with what you know.

What does the settlement sheet show?

It lays out the sale price, payoffs, liens, taxes, closing 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.