Memphis, TN · Shelby County · How the sale works
How Selling Your Memphis House to Us Works
USA Home Buyers buys houses as-is in the City of Memphis and Shelby County, Tennessee. 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; start with the address and what you know.
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.
Start with the address and what you know about the property.
From first conversation to settlement
The sale, step by step
Step 1: Tell us about the house
Start with the Memphis address, what you know about the condition, who occupies the house, access, and timing. If an estate, mortgage payoff, lien, tax balance, tenant, or notice is part of the situation, tell us what you know. You can start the conversation before every property question is settled.
Step 2: Talk through the property and the written offer
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 give written cash offers in 24 hours.
Step 3: Read the terms and work through title and payoffs
Written offer and written terms before you commit; title-company closing. The title company reviews ownership, who can sign, mortgage payoffs, liens, taxes, and the records needed for this sale. A payoff is the amount needed to satisfy a mortgage or other obligation. Share current statements or notices you have; the title company confirms which figures and documents apply.
Step 4: 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. If you decide to proceed, the title company handles the closing. 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 may keep after costs with the Memphis home-sale calculator →
Closing numbers
Read the settlement figures
The settlement sheet shows the sale price, mortgage payoff, liens, taxes, other listed charges, 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.
Tennessee charges a realty transfer tax when the deed is recorded: 37 cents for each $100 of the price paid or the property’s value, whichever is greater. State law makes the buyer responsible for the tax; the county register of deeds collects it for the state.
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.
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 Memphis house
Call 888-274-5006 or use the form at the top of this page. You can start with what you know before every property question is settled.
- Inherited property →
- Foreclosure deadlines →
- Divorce and shared ownership →
- Tenant-occupied houses →
- Code notices and repairs →
- Fire-damaged houses →
- Property liens and back taxes →
Memphis home-selling overview →
Questions about selling a Memphis house
Can I start before every property question is settled?
Yes. Call 888-274-5006 or use the form with the Memphis address and what you know so far. You can tell us which details about condition, occupancy, a payoff, lien, or estate are still unknown.
Do I need to repair or clean out 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?
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.
How are the settlement figures reviewed?
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.
Who pays Tennessee’s realty transfer tax?
Tennessee charges a realty transfer tax when the deed is recorded: 37 cents for each $100 of the price paid or the property’s value, whichever is greater. State law makes the buyer responsible for the 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.