Wilmington, DE · New Castle County · How it works
How Selling Your Wilmington House to Us Works
1. Tell us about the house
USA Home Buyers buys houses as-is in Wilmington and throughout New Castle County, Delaware. 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, and timing. You can begin before every property question is settled.
Questions before the papers are ready? Call 888-274-5006 or use the form to tell us about the house.
Start with the property details
We give written cash offers in 24 hours.
Start with the address and the property details you know.
We'll give you a written cash offer within 24 hours.
2. The sale, step by step
From the first conversation to settlement
Step 1: Talk through the house and what you know so far
Start with the Wilmington address, condition, who lives there, access, and the timing you have in mind. You can start the conversation before every property question is settled. Tell us what you know about an estate, mortgage payoff, lien, tax notice, tenant, or move date; you do not need to have every answer first.
Step 2: Review the house and the written choices
We ask about repairs, occupancy, access, ownership, and timing. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. 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 terms before deciding whether to proceed.
Step 3: Check title, signing authority, and payoffs
If you choose to proceed, the title company checks the deed, ownership, who can sign, mortgage payoffs, liens, taxes, and the documents needed for settlement. A payoff is the amount needed to satisfy a mortgage or other obligation; a lien is a recorded claim for money. Keep the statements, notices, and estate papers you have so the title company can check what applies to this property.
Step 4: 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. If you proceed, the title company handles the closing and confirms the final figures.
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.
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. |
The table also shows listing and FSBO for comparison. Read the written numbers and terms for the choices you are considering, then decide what works for you.
4. Useful Wilmington and New Castle County details
Find the county record that answers your question
Wilmington is in New Castle County. For a recorded deed or other county land document, start with the New Castle County Recorder of Deeds. A deed search does not answer every title or closing question; the title company checks the documents and authority needed for the particular sale.
New Castle County Recorder of Deeds ↗
Use the county Recorder for recorded deeds and land-document questions. A deed record is a starting point; the title company checks what applies to a particular sale.
For broad market context, the current typical home value is $329,558 (As of August 2026; Zillow typical home value for Wilmington, DE). It is not a value estimate for a particular house or an offer amount.
5. Closing numbers
Review the settlement sheet and Wilmington transfer tax
The settlement sheet shows the sale price, mortgage payoffs, liens, taxes, other entries, and the amount scheduled for disbursement. Ask about any line you do not recognize and compare the figures with the written terms.
For a property inside the City of Wilmington, the total realty transfer tax is 4% of value: 2.5% for Delaware and 1.5% for the city. The state portion is divided equally between seller and buyer. The city portion falls on the seller unless the parties agree otherwise. The 1.5% city tax does not automatically apply to every property elsewhere in New Castle County; check the property location and written allocation for the sale.
When you sell to us, we pay the closing costs. Your mortgage, liens, back taxes and share of current property taxes are separate.
Compare an estimate of what you might keep after editable costs with the Wilmington home-sale net-proceeds calculator →. The title company confirms the final settlement figures.
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.
Seller reviews
What sellers say about USA Home Buyers
Here's what sellers in Wilmington, DE have said about working with us.
“After losing my job at ChristianaCare, I fell three months behind on my mortgage. The lender filed a complaint in NCC Superior Court — I had no idea Delaware foreclosure moved that fast. USA Home Buyers explained the judicial timeline, made a written offer the next morning, and we closed before the case progressed. I walked away with $38,000 instead of nothing.”
“The row home on Lancaster Avenue had foundation cracks that had been moving. We called an engineer and they said the back wall had shifted two inches and needed shoring — $48,000 estimate. No bank would finance a buyer with a structural issue like that. USA Home Buyers came out, made an offer two days later. Closed in thirteen days.”
“Seventy-one years old and my husband is in a nursing facility on Foulk Road. I needed to sell the house to cover his care costs. The whole situation is hard enough without adding a six-month listing process. USA Home Buyers were understanding and quick. Offer in twenty-four hours, closed in eight days.”
7. Questions and contact
Find the Wilmington guidance for your situation
If an estate, foreclosure notice, tenant, code issue, fire damage, or lien affects the next steps, start with the page that matches your question:
- Inherited property →
- Foreclosure questions →
- Selling during a divorce →
- Tenant-occupied house →
- Code violations →
- Fire-damaged property →
- Property liens and unpaid taxes →
Wilmington sale-process questions
Can I start before every property question is settled?
Yes. Start with the Wilmington address and what you know about condition, occupancy, access, and timing. You can bring up an estate, payoff, lien, tax notice, tenant, or move date while details are still being checked.
What do I get before I decide whether to sell?
We give written cash offers in 24 hours. Written offer and written terms before you commit; title-company closing.
Who checks title, signing authority, and mortgage payoffs?
The title company checks the deed, who can sign, mortgage payoffs, liens, taxes, and the documents needed for settlement. Keep the statements, notices, or estate papers you have so it can check what applies to this property.
How does realty transfer tax work for a Wilmington sale?
For property inside the City of Wilmington, the total realty transfer tax is 4% of value: 2.5% state tax and 1.5% city tax. The state portion is divided equally between seller and buyer. The city portion falls on the seller unless the parties agree otherwise. The city rate does not automatically apply elsewhere in New Castle County. When you sell to us, we pay the closing costs, including Delaware’s state realty transfer tax and Wilmington’s real property transfer tax. Your mortgage, liens, back taxes and share of current property taxes are separate.
What will I see on the settlement sheet?
It shows the sale price, mortgage payoffs, liens, taxes, other entries, and the amount scheduled for disbursement. Ask the title company about any line you do not recognize.
Talk through your Wilmington house
Call 888-274-5006 or use the form above. You can start with what you know before every property question is settled. Return to the Wilmington home-selling overview →