Paducah, KY · McCracken County · How it works
How Selling Your Paducah House to Us Works
USA Home Buyers buys houses as-is in Paducah and McCracken County, Kentucky. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. You can start with what you know; every property question does not have to be settled before the first conversation.
Want to talk through the house first? Call 888-274-5006.
We'll give you a written cash offer within 24 hours.
We give written cash offers in 24 hours.
Share the address, condition, occupancy, and timing. Begin with what you know.
From the first conversation to settlement
The sale, step by step
1. Tell us about the house
Start with the address, condition, who is living there, access, and the timing you have in mind. Mention an estate, mortgage payoff, lien, tax account, or move deadline if it is part of the situation. You can start while other property questions are still being answered.
2. Talk through the property and get written terms
We ask about the house and what matters to you, then review the property and the sale choices. We give written cash offers in 24 hours. You get a written offer and written terms before you commit, and we close through a title company. Read the price, responsibilities, possession, timing, and costs before you decide whether to proceed.
3. Work through title and payoffs
The title company checks the deed, ownership, who can sign, mortgage payoffs, liens, taxes, and the documents needed for settlement. If an estate, court matter, or recorded lien is involved, share the papers and notices you have so the title company can identify what is needed for this sale.
4. 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
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 | 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. |
Paducah and McCracken County details
Check the right local office for the property question
A Paducah mailing address does not by itself establish that a property is inside the City's limits. If a City permit or property-maintenance process matters to the sale, check the actual address with the City before relying on City requirements.
The McCracken County Clerk handles deed and encumbrance recording and delinquent real-estate-tax functions. The County Property Valuation Administrator assesses property but does not bill or collect property taxes. Those records can help identify the right question; the title company checks what is needed for this sale.
Before signing
Review the settlement sheet and Kentucky real estate transfer tax
Kentucky's real estate transfer tax is 50 cents for each $500 of value or fraction of $500, which works out to about 0.1%. For example, on a $100,000 sale, the tax is $100. The grantor—the seller—owes it by law, and the county clerk collects it before the deed can be recorded. The taxable value includes the full price paid, including any liens the buyer takes over. Some transfers are exempt, and recording fees are separate; the title company can confirm whether an exemption applies to your sale.
When you sell to us, we pay the closing costs.
Mortgage balances, liens, back taxes, and your share of current property taxes are separate settlement figures. Review them with the title company on the settlement sheet.
Read Kentucky Revised Statute 142.050, real estate transfer tax ↗
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 answer for your situation
Paducah process questions
Can I start before every property detail is settled?
Yes. Start with the address and what you know about the condition, occupancy, access, and timing. An estate, payoff, lien, or tax question can still be sorted out as the sale is reviewed.
Who checks the title, payoffs, and liens?
The title company reviews ownership, who can sign, mortgage payoffs, recorded liens, taxes, and the documents needed for settlement. Mortgage balances, liens, back taxes, and your share of current property taxes are separate settlement figures.
Who pays Kentucky real estate transfer tax when I sell to you?
Kentucky law generally assigns the real estate transfer tax to the grantor, usually the seller. When you sell to us, we pay the closing costs, including the Kentucky real estate transfer tax. Some transfers are exempt, and recording fees are separate; the title company can confirm whether an exemption applies to your sale.
Can I compare the Cash Offer and EZ Sale?
Yes. We explain both choices and give you written numbers to compare. Read the program, price, timing, responsibilities, possession, and costs before deciding which option works for you.
Call 888-274-5006 or use the property form above. You can start with the details you have.