Duluth, MN · St. Louis County · How the sale works
How Selling Your Duluth House to Us Works
USA Home Buyers buys houses in Duluth and St. Louis County, Minnesota. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. You can call or use the form before every property question is settled.
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. Unknown details can be sorted out in the conversation.
Start with what you know
Tell us about the Duluth house
The address, condition, occupancy, access, and timing give the conversation a starting point. You do not need every answer before you call. Tell us what is known and what is still a question, and we can talk through the property and the available sale choices.
From the property conversation to settlement
The sale, step by step
Tell us what you know about the house
Start with the Duluth address, the house's condition, who lives there, access, and the timing you are considering. You can start the conversation before every property question is settled; tell us what you know so far.
Talk through the property and the sale choices
We talk about the house as it is, including repairs, access, occupancy, and timing. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. We can discuss which sale path fits the property and what still needs to be checked.
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 whether to proceed.
Work through title, authority, payoffs, and liens
The title company reviews the deed, who can sign, mortgage payoffs, liens, tax items, and the documents needed for closing. You can start with what you know while the right records are identified.
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
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 estimated proceeds after costs and property balances with the Duluth home-sale net-proceeds calculator →
Duluth and Minnesota closing details
Read the settlement figures and deed tax
The settlement sheet lays out the sale price, mortgage payoff, liens, taxes, other costs, and the amount scheduled for payment. 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.
For an ordinary taxable transfer with net consideration over $3,000, Minnesota deed tax is 0.33% of that amount. Hennepin and Ramsey counties each add a 0.01% Environmental Response Fund tax; those county taxes do not apply to Duluth in St. Louis County. Exemptions and transfers with little or no consideration can change the tax. The closing professional confirms the property county and taxable amount.
When you sell to us, we pay the closing costs.
That closing-cost payment does not pay your mortgage, liens, back taxes, or your share of current property taxes.
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.
What sellers say about USA Home Buyers
Questions and contact
Find the next step for your Duluth house
Call 888-274-5006 or use the form above. You can start with what you know before every property question is settled.
Questions about selling a Duluth house
Can I start before every property question is settled?
Yes. Call 888-274-5006 or use the form with the Duluth address and what you know so far. The condition, occupancy, payoff, lien, or estate details that are still unclear can be discussed as you gather information.
Do I have to repair, clean, or clear out the house first?
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?
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.
What closing costs and Minnesota deed tax apply?
For an ordinary taxable transfer with net consideration over $3,000, Minnesota deed tax is 0.33% of that amount. Hennepin and Ramsey counties each add a 0.01% Environmental Response Fund tax; those county taxes do not apply to Duluth in St. Louis County. Exemptions and transfers with little or no consideration can change the tax. The closing professional confirms the property county and taxable amount. When you sell to us, we pay the closing costs. That closing-cost payment does not pay your mortgage, liens, back taxes, or your share of current property taxes.
Ready to talk about your Duluth 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.