McAllen, TX · Hidalgo County · How the sale works
How Selling Your McAllen House to Us Works
USA Home Buyers buys houses as-is in the City of McAllen and Hidalgo County, Texas. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. Start with the address and what you know; you do not need every property question answered before the first conversation.
Call 888-274-5006 or use the form to start with the house.
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 condition, occupancy, and timing. Unanswered questions can be sorted out in the conversation.
From the first conversation to settlement
The sale, step by step
Step 1: Tell us what you know about the house
Start with the McAllen address, 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 about an estate, tenant, payoff, lien, tax account, code notice, or deadline; the unanswered questions can be sorted out as we talk.
Step 2: Talk through the property and your sale choices
We ask about the house as it stands, 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 explain the choices that fit the property and what still needs to be checked.
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, signing authority, and payoffs
The title company checks the deed, ownership, 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. The Hidalgo County Clerk provides an official-record search for real-property records; a search result is not a title or lien determination. Bring the actual notices or statements so the title company can check what applies to this sale.
Step 5: Review the settlement sheet
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.
Step 6: Choose, sign, and close
You decide whether to proceed, compare another sale path, or stop before signing. If you proceed, the title company coordinates the closing documents and disbursement instructions. 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 what you might keep after costs with the McAllen home-sale net-proceeds calculator →
McAllen and Hidalgo County details
Check the local record and the property address
The City of McAllen lies within Hidalgo County. Mission, Pharr, Edinburg, Hidalgo, San Juan, and Alton are separate incorporated places in the area, not McAllen neighborhoods. If a city permit or code question affects the sale, check the actual property address; a mailing label alone does not establish the municipality.
The Hidalgo County Clerk provides an official-record search that includes real-property records. It can help locate a document, but a search result does not determine title, liens, or who can sign. The title company checks what applies to this sale.
Closing numbers
Read the settlement figures
The settlement sheet lays out the sale price, mortgage payoff, liens, taxes, other listed charges, and the amount scheduled for disbursement. Ask about any line you do not recognize.
Texas has no state, county, or city real-estate transfer tax on a sale that conveys full ownership of real property. The Texas Constitution bars laws imposing a transfer tax on a sale that conveys full ownership.
A deed is signed before a notary and recorded with the county clerk. A recording charge is separate from a transfer tax; the title company confirms the applicable filing costs. When you sell to us, we pay the closing costs. Your mortgage balance, liens, back taxes, and share of current property taxes are separate.
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 McAllen house
Call 888-274-5006 or start with the address and what you know in the form above. You can reach out before every property question is settled.
- Inherited property and estate questions →
- Foreclosure and deadline pressure →
- Selling during a divorce →
- Tenant-occupied house →
- Code notices and repairs →
- Property liens and back taxes →
- McAllen home-selling overview →
- McAllen and nearby Hidalgo County places →
- McAllen seller resources →
- McAllen market report →
- McAllen seller articles →
Common McAllen process questions
Can I start before every property question is settled?
Yes. Start with the McAllen address and what you know about condition, occupancy, access, and timing. You can tell us which questions are still open. Call 888-274-5006 or use the form on this page.
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.
Does Texas charge a real-estate transfer tax when I sell?
Texas has no state, county, or city real-estate transfer tax on a sale that conveys full ownership of real property. The Texas Constitution bars laws imposing a transfer tax on a sale that conveys full ownership. A deed still has to be recorded with the county clerk; any recording charge is separate, and the title company confirms the amount.
What closing costs do you pay?
When you sell to us, we pay the closing costs. Your mortgage balance, liens, back taxes, and share of current property taxes are separate.
Prefer to call? 888-274-5006