Lexington, KY · Fayette County · How the sale works
How Selling Your Lexington House to Us Works
USA Home Buyers buys houses as-is in Lexington and Fayette County. Call or use the form before every property question is settled. Start with the address and what you know about the house.
Questions before you have all the details? 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.
From the first conversation to settlement
The sale, step by step
Step 1: Start with what you know about the house
Share the Lexington address, the condition as you know it, who is living there, access, and the timing you have in mind. You can start the conversation before every property question is settled; tell us what you know and what still needs to be checked.
Step 2: Talk through the property and the choices
We talk through the house, repairs, occupancy, access, and the sale choices that fit your situation. USA Home Buyers buys houses as-is in Lexington and Fayette County. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Step 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, costs, and property-specific conditions before you decide whether to proceed.
Step 4: Work through title, authority, and payoffs
The title company checks the deed, who can sign, mortgage payoffs, liens, taxes, and the documents needed for closing. A payoff is the amount needed to satisfy a mortgage or other obligation. If an estate, court notice, payoff, or other question is still open, tell us what you know while the right person confirms what is needed.
Step 5: Review the settlement sheet and close
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.
Two ways to sell to us: 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 might keep after costs with the Lexington home-sale calculator →
Lexington and Fayette County details
Start with the office or record that fits the question
The official name of Lexington's local government is Lexington-Fayette Urban County Government (LFUCG). This page covers Fayette County. A neighborhood name or city label does not establish a property's tax district, zoning, neighborhood-association boundary, title, or court venue. For a code notice, bring the actual notice into the conversation and use the local government's Code Enforcement information to identify the right next question; you can contact us while those details are being checked.
LFUCG's neighborhood directory sends address-specific association lookups to MapIt!, rather than treating a broad neighborhood label as a parcel determination. An association boundary is not a zoning, tax-district, title, or court determination.
Before the signatures
Review the settlement sheet and Kentucky transfer tax
The settlement sheet lays out the sale price, mortgage payoff, liens, taxes, costs, and the amount scheduled to be paid out. Ask the title company about any line you do not recognize and compare the figures with the written terms before you sign.
Kentucky's real estate transfer tax is 50 cents for each $500 of value or fraction of $500—about 0.1%. On a $100,000 sale, that is $100. State law assigns the tax to the grantor, meaning the seller, and the county clerk collects it before the deed can be recorded. The value includes the full price, including any lien the buyer takes over. Some transfers are exempt, including certain foreclosure, spouse-to-spouse, and government transfers; the title company can confirm whether an exemption applies. Recording fees are separate from the transfer tax. Read KRS 142.050 ↗.
When you sell to us, we pay the closing costs.
That closing-cost promise does not cover your mortgage, liens, back taxes, or share of current property taxes; those 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.
What sellers say about USA Home Buyers
Keep the next question local
Lexington seller pages and planning tools
Choose the page that fits the next question, or call and talk through what is still unknown.
Lexington process questions
Can I contact you before I have every answer about the house?
Yes. Start with the Lexington address and what you know about condition, occupancy, access, and timing. You can tell us which details are still unknown so the right questions can be identified.
Do I need to repair or clean 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 does not need major repairs and you want a higher number. Either way, you compare written numbers and you pick what works best for you.
Who checks the title, mortgage payoff, and liens?
The title company checks 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. Estate or court authority may need to be confirmed with the appropriate title company, attorney, or court.
What is Kentucky real estate transfer tax, and who pays it when I sell to you?
Kentucky's real estate transfer tax is 50 cents for each $500 of value or fraction of $500. State law assigns it to the grantor—the seller—and some transfers are exempt. When you sell to us, we pay the closing costs. Your mortgage, liens, back taxes, and share of current property taxes are separate settlement items.
Ready to talk through your Lexington 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.
Return to the Lexington home-selling overview → · Tell us about the house