St. Louis City, MO · How the sale works
How Selling Your St. Louis House to Us Works
USA Home Buyers buys houses as-is in St. Louis City, Missouri; St. Louis County is separate. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
You can call before every property question is settled. Call 888-274-5006 or tell us about the house below.
Ask for a St. Louis City cash offer
1. Tell us about the house
Start with the details you know
Share the St. Louis City address, the house's condition, who lives there, access, and the timing you have in mind. If a payoff, lien, estate, tenant, tax account, or court notice is still unclear, start with what you know. You do not need every property question answered before the first conversation.
We give written cash offers in 24 hours.
Share the address and what you know about the house. Open questions can be discussed as we go.
Redfin September 2026 and Zillow September 2026 market data
- Redfin median sale price
- $249,881
- Year over year
- +1.99%
- Median days on market
- 23 median days on market
- Homes sold
- 1,268 homes sold
- Zillow ZHVI
- $181,157 ZHVI
Sources: Zillow’s Home Value Index and Redfin’s recent-sale data for St. Louis, MO. Zillow data covers September 2026; Redfin data covers September 2026.
From the first conversation to settlement
2. The sale, step by step
Step 2: Talk through the house and the timing
We start with the address and what you know about condition, access, occupancy, and timing. You can call or use the form before every property question is settled. We look at the house as it is and talk through the options that fit your situation. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Step 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. We review the written price, responsibilities, possession, timing, costs, and property-specific terms with you before you decide.
Step 4: Work through title, signing authority, and payoffs
We review title, payoff, occupancy, seller authority, and closing details with the title company. The title company checks the deed, ownership, who can sign, mortgage payoffs, liens, taxes, and documents needed for closing. If a particular statement, notice, or estate paper is needed to answer a question, we will tell you. Close as fast as 7 days when title and closing details allow.
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 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.
A Cash Offer is a direct purchase by USA Home Buyers. There are no listing-agent showings. No agent commissions when you sell to us. No fees. An EZ Sale goes to one of our partners. Yes, partner visits.
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 St. Louis home-sale net-proceeds calculator →
4. Useful St. Louis details
City records and estate paperwork
The City of St. Louis Recorder of Deeds and Vital Records Registrar keeps the city's land records. As part of closing, the title company checks the property records and current payoff and tax figures that apply to the sale.
If you are selling an inherited house, we can start with the estate details you know. The title company reviews who may sign and which documents closing needs. The 22nd Judicial Circuit Probate Court site has St. Louis City probate forms and court links.
5. Closing numbers
Read the settlement sheet and recording charges
The settlement sheet shows the sale price and the amounts applied to the transaction, such as mortgage payoffs, liens, taxes, other costs, and the money scheduled for you. 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.
Missouri's Constitution bars the state, counties, and other local governments from imposing new taxes on real-estate sales or transfers after December 2, 2010. Deed recording still has state-set fees: $5 for the first page and $3 for each additional deed page, plus per-document fees. The title company or closing professional confirms the exact recording charges for the documents in this sale.
- Missouri Constitution, Article X, Section 25 ↗
- Missouri recording fee statute, Section 59.310 ↗
- Recorder user fee, Section 59.319 ↗
- Additional recording fee, Section 59.800 ↗
When you sell to us, we pay the closing costs.
Your mortgage balance, liens, back taxes, and share of current property taxes remain separate.
6. When things get difficult
We keep working toward the closing table
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
“LISTEN, PROPERTY TAXES GOT TOO HIGH FOR MY FIXED INCOME. SOLD IT TO THEM. WALKED AWAY WITH CASH. GLAD IT'S OVER.”
“Facing foreclosure ... Very stressful time... They handled it professionally and got me out of the debt...”
“no open houses. no realtors tracking dirt in. just a straight cash sale for our house so we could move. Glad it's over.”
7. Questions and contact
St. Louis City seller questions and planning tools
If an estate, foreclosure notice, divorce, tenant, code notice, fire damage, or lien is part of the sale, these pages cover related St. Louis City questions.
Questions about the St. Louis sale process
Can I contact you before every property question is settled?
Yes. Start with the St. Louis City address and what you know about condition, access, occupancy, and timing. If an estate, payoff, lien, tax account, or notice is part of the situation, tell us what you know so far.
What does selling as-is mean?
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.
Who checks title, signing authority, and payoffs?
We review title, payoff, occupancy, seller authority, and closing details with the title company. The title company checks the deed, ownership, who can sign, mortgage payoffs, liens, taxes, and documents needed for closing. If a particular statement, notice, or estate paper is needed to answer a question, we will tell you.
What closing costs do you pay when I sell to you?
When you sell to us, we pay the closing costs. Your mortgage balance, liens, back taxes, and share of current property taxes remain separate.
Talk through the house before every detail is settled. Call 888-274-5006 or use the form above.