Murray, KY · Calloway County · How the sale works

How Selling Your Murray House to Us Works

1. Tell us about the house

USA Home Buyers buys houses as-is in Murray and Calloway County, Kentucky. 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 about the house. You can call before every property question is settled.

Prefer to talk first? Call 888-274-5006.

Tell us about the house

We give written cash offers in 24 hours.

Share the address, condition, who lives there, and timing. Tell us what is still unknown.

2. The sale, step by step

From the property conversation to settlement

Step 2: Talk through the property and your choices
We talk about the house as it sits, including its condition, repairs, occupancy, access, and timing. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. Then we can compare the sale choices that fit your situation.
Step 3: Read the written offer and terms
We give written cash offers in 24 hours. You get the written offer and terms before you commit, and closing is through a title company. The written terms set out the price, timing, responsibilities, possession, costs, and any property-specific conditions before you decide.
Step 4: Work through title, signing authority, and payoffs
If you choose to proceed, the title company reviews the deed, confirms who can sign, and checks mortgage payoff information, liens, taxes, and the records needed for closing. We coordinate with the title company as questions come up. A mortgage payoff or lien can affect the amount shown on the settlement sheet.
Step 5: 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.

3. Two ways to sell

Compare the Cash Offer and EZ Sale

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	Yes, partner visits
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	You get a written offer and written terms before you commit, and we close through a title company.	You get a written offer and written terms before you commit, and we close through a title company.
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.

4. A local detail

Murray and Calloway County

Murray is the Calloway County seat. A Murray mailing address alone does not establish whether a property is inside City limits; if a city-specific question matters to the sale, we can help identify the local office for the property. City of Murray history ↗ Census place boundaries ↗

5. Closing numbers

Review the settlement sheet and Kentucky transfer tax

The settlement sheet lays out the sale price, mortgage payoff, liens, taxes, closing costs, 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.

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 the county clerk collects it before the deed is recorded. Taxable value includes the full price paid, including any liens the buyer takes over. Some transfers are exempt; the title company can confirm whether an exemption applies. Recording fees are separate from the tax. Read Kentucky Revised Statutes § 142.050 ↗.

When you sell to us, we pay the closing costs.

Your mortgage, liens, back taxes, and share of current property taxes remain separate settlement items.

6. 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 our sellers say

BBB A rating Read our Google reviews

“LISTEN, PROPERTY TAXES GOT TOO HIGH FOR MY FIXED INCOME. SOLD IT TO THEM. WALKED AWAY WITH CASH. GLAD IT'S OVER.”

Alex Pproperty taxes

“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”

Alice Wforeclosure

“no open houses. no realtors tracking dirt in. just a straight cash sale for our house so we could move. Glad it's over.”

Angela Rmoving

7. Questions and contact

Find the next step for your Murray house

Call 888-274-5006 or use the property form above. Start with what you know; open questions can be sorted out as we review the house.

Questions about selling a Murray house

Can I call before every property question is settled?

Yes. Start with the Murray address and what you know about condition, occupancy, access, ownership, and timing. You can tell us what is still unknown during the first conversation.

Do I have 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 do I get before deciding whether to sell?

We give written cash offers in 24 hours. You get the written offer and terms before you commit, and closing is through a title company.

How do the Cash Offer and EZ Sale choices differ?

Who checks the title, signing authority, and mortgage payoff?

The title company reviews the deed, who can sign, mortgage payoff information, liens, taxes, and the records needed for closing. If an estate or notice is involved, the title company identifies what must be confirmed for this sale.

Who pays Kentucky real estate transfer tax 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 the county clerk collects it before the deed is recorded. 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 remain separate settlement items.

Murray home-selling overview → · Tell us about the house