Richmond, KY · Madison County · How the sale works

How Selling Your Richmond House to Us Works

USA Home Buyers buys houses as-is in Richmond and Madison County, Kentucky. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. You can start the conversation before every property question is settled; tell us what you know and we can talk through what still needs to be checked.

Call or use the form with the questions you have. Call 888-274-5006.

Tell us about the house

Start with what you know

Share the address, condition, occupancy, access, and timing. You do not need every property question settled before the first conversation.

We'll give you a written cash offer within 24 hours.

We give written cash offers in 24 hours.

Share what you know about the property and the sale questions in front of you.

From the first conversation to settlement

The sale, step by step

1. Tell us about the house
Start with the Richmond address, the house's condition, who lives there, access, ownership, and the timing you have in mind. If an estate, mortgage payoff, lien, tax account, tenant, or notice is part of the situation, tell us what you know. You can begin before every property question is settled.
2. Talk through the property and your choices
We ask practical questions about the house as it stands, including 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 talk through the sale paths that fit the property and what still needs to be checked.
3. Read the written offer and terms
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, costs, and property-specific conditions before you decide whether to proceed, compare another path, or stop before signing.
4. Work through title, authority, and payoffs
The title company checks ownership, who can sign, mortgage payoff information, liens, taxes, and the documents needed for closing. A payoff is the amount needed to satisfy a mortgage or other obligation. Bring any current statements, notices, or estate papers you have; unknown details can be checked as the closing work proceeds.
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.

Two ways to sell to us

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.

Compare what you might keep after costs with the Richmond home-sale calculator →

A Richmond property detail

Check the address before relying on City permit or inspection rules

Richmond's Building Inspections page describes plan review, permits, and inspections for construction within the City of Richmond. A Richmond mailing address or Madison County location alone does not establish whether a property is inside City limits. Confirm the jurisdiction for the actual address before relying on City requirements.

City of Richmond Building Inspections ↗

Closing numbers

Review the settlement figures and Kentucky transfer tax

The settlement sheet lays out the sale price, mortgage payoff, liens, taxes, costs, and the amount scheduled for disbursement. 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. State law assigns the tax to the grantor—the seller—and the county clerk collects it before the deed can be recorded. The 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 check whether an exemption applies to your sale. Read Kentucky Revised Statute 142.050 ↗.

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 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 Richmond house

Call 888-274-5006 or use the property form above. You can begin with what you know before every property question is settled.

Richmond home-selling overview →

Richmond process questions

Can I start before every question about the house is settled?

Yes. Start with the Richmond address and what you know about the condition, occupancy, access, and timing. You can raise the details that are still unknown during the conversation.

Do I need to repair or clean 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?

Who checks title, signing authority, and mortgage payoffs?

The title company checks the deed, who can sign, mortgage payoff information, liens, taxes, and the documents needed for closing. You can start with what you know while the right records are identified.

What does the settlement sheet show?

It 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 Kentucky real estate transfer tax when I sell to you?

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.