Waco, TX · McLennan County · How it works
How Selling Your Waco House to Us Works
1. Tell us about the house
USA Home Buyers buys houses as-is in Waco and McLennan County. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
Start with the address, condition, who lives there, access, and timing. You can begin the conversation before every property question is settled.
Call 888-274-5006 with a question or to talk about the house. You do not need every answer before you call.
Request a written cash offer2. The sale, step by step
From the first conversation to settlement
Step 1: Tell us what you know about the house
USA Home Buyers buys houses as-is in Waco, Texas and McLennan County. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. Start with the address, condition, who lives there, access, and timing. You can begin the conversation before every property question is settled.
Step 2: Talk through the property and your choices
We talk about the house as it stands, including repairs, occupancy, access, ownership, and timing. We can compare a direct sale with listing, repairing, waiting, or another option while questions about the property are being sorted out.
Step 3: Read the written offer and terms
We give written cash offers in 24 hours. Written offer and written terms before you commit; title-company closing. Read the price, responsibilities, possession, timing, costs, and property-specific conditions before deciding whether to proceed.
Step 4: Work through title, authority, and payoffs
If you choose to proceed, the title company checks the deed, who can sign, mortgage payoffs, liens, tax items, and the documents needed for settlement. A payoff is the amount needed to satisfy a mortgage or other obligation. Current statements, notices, or estate papers can help answer questions about this house.
Step 5: 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.
3. Two ways to sell
Compare the Cash Offer and EZ Sale
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 would keep after costs with the Waco calculator →
Questions about the two options? Call 888-274-5006.
4. Waco and McLennan County
Use the property address for county questions
Census TIGERweb identifies Waco city as intersecting McLennan County only. That is city-level geographic orientation, not a parcel-specific county, title, or venue conclusion. Use the property address when checking a local record or office. Census TIGERweb Waco place geometry ↗
Texas deeds are recorded with the county clerk. For a deed-recording question, start with the McLennan County Clerk ↗ and confirm the parcel's county and current filing instructions and fees with the office.
5. Closing numbers
Review the settlement sheet and Texas deed costs
Texas has no state, county, or city real-estate transfer tax on a sale that conveys full ownership of real property. The Texas Constitution bars a law imposing that tax. The deed still needs to be signed in front of a notary and recorded with the county clerk. Recording fees are charged by the page, not the sale price; a clerk charges more if the deed leaves out the buyer's mailing address. Ask the county clerk about the current requirements and fee for the property.
When you sell to us, we pay the closing costs. Your mortgage, liens, back taxes, and share of current property taxes are separate.
6. When things get difficult
We stay with the process
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.
7. Questions and contact
Waco guidance for your situation
Choose the page that matches what is happening with the house, or use the calculator to compare possible net proceeds.
Waco selling-process questions
Can I start before every question about the Waco house is settled?
Yes. Start with the address and what you know about the house, its condition, occupancy, access, and timing. You can begin the conversation while other details are still being checked.
Do you buy houses as-is in Waco and McLennan County?
USA Home Buyers buys houses as-is in Waco, Texas and McLennan County. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us.
What do I receive before deciding whether to sell?
We give written cash offers in 24 hours. Written offer and written terms before you commit; title-company closing. Read the terms and ask questions before deciding whether to proceed.
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.
Does Texas charge a real-estate transfer tax when I sell?
Texas has no state, county, or city real-estate transfer tax on a sale that conveys full ownership of real property. The deed still needs to be signed in front of a notary and recorded with the county clerk. Recording fees are charged by the page, not by the sale price, and the clerk charges more if the deed leaves out the buyer's mailing address. When you sell to us, we pay the closing costs. Your mortgage, liens, back taxes, and share of current property taxes are separate.
What will I see on the settlement sheet?
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.
Talk with us about your Waco house
Call 888-274-5006 or start with the address and what you know in the form above. You can call before every property detail is settled.