Hartford, CT · Capitol Planning Region · How it works
How Selling Your Hartford House to Us Works
USA Home Buyers buys houses in Hartford, Connecticut, and across the Capitol Planning Region, the county-equivalent used for this market. 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. Begin with the address and what you know about the house; we can sort out what still needs to be checked together.
Prefer to talk first? Call 888-274-5006.
Tell us about the house
We give written cash offers in 24 hours.
Start with the address and the situation, even if some details are still unknown.
We'll give you a written cash offer within 24 hours.
From first conversation to settlement
The sale, step by step
1. Talk through the property
We talk about the address, condition, access, who lives there, and the timing you are considering. If an estate, tenant, notice, payoff, or lien is part of the situation, tell us what you know. You do not need every answer before the first conversation.
2. Review the house and your options
We discuss the house as it stands and the questions that may affect a sale. You do not have to repair, clean, or clear it out to sell to us. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
3. 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, and any property-specific conditions before you decide what to do.
4. Work through title, payoffs, and closing
The title company checks the deed, who can sign, mortgage payoffs, liens, taxes, and the documents needed for 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.
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 Hartford, CT calculator →
Questions about the two options? Call 888-274-5006.
Useful local details
Hartford and its county-equivalent are different places
Hartford is a city. The current geography for this market identifies the Capitol Planning Region as Hartford's county-equivalent. Connecticut also has state and municipal real estate conveyance taxes, so the property's actual municipality matters when the closing figures are prepared. If an estate, lien, tenant, code notice, or foreclosure notice affects the sale, you can bring that question into the first conversation rather than waiting until every detail is resolved.
Closing numbers
Connecticut conveyance tax and your settlement sheet
Connecticut real estate conveyance tax applies when a qualifying deed is recorded for a sale price of $2,000 or more. For a home, the state rate is 0.75% on the price up to $800,000, 1.25% on the portion from $800,000 to $2.5 million, and 2.25% on any portion above $2.5 million. Towns also charge 0.25%; a small group of eligible towns may add up to another 0.25% locally.
On a $100,000 sale, the state tax is $750 and the standard town tax is $250, or $1,000 total. If the town rate is 0.50%, the total is $1,250. The closing attorney confirms the amount that applies to the property and transfer.
When you sell to us, we pay the closing costs.
Mortgage balances, liens, back taxes, and your share of current property taxes remain separate from the closing costs we pay.
Read the Connecticut Department of Revenue Services conveyance-tax information or the Connecticut conveyance-tax statutes.
Want to compare possible net proceeds from listing and selling as-is? Use the Hartford home-sale net-proceeds calculator. Its estimates are editable; the title company confirms the final settlement figures.
When something gets in the way
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 about selling your Hartford house
Can I start before every property question is settled?
Yes. Start with the Hartford address and what you know about the house, its condition, who lives there, and your timing. You can raise unanswered title, payoff, estate, or access questions as the conversation continues.
What if there is a mortgage payoff or lien?
The title company checks the payoff and lien information needed for closing. Mortgage balances, liens, back taxes, and your share of current property taxes are separate from the closing costs we pay when you sell to us.
How can I compare what I might keep from each option?
Read the written Cash Offer or EZ Sale terms before deciding, then compare them with a realistic listing plan. The Hartford calculator uses editable estimates for comparison; the title company confirms final settlement figures.
More help for your situation
- Inherited or estate property in Hartford
- Hartford foreclosure questions
- Selling a tenant-occupied Hartford house
- Hartford code violations
- Fire-damaged property in Hartford
- Hartford property liens and back taxes
Questions about your house? Call 888-274-5006 or send the property details below.
We give written cash offers in 24 hours.
Tell us what you know about the house and what questions still need sorting out.
We'll give you a written cash offer within 24 hours.