How cash offers are priced
A cash buyer starts from what the home could resell for, then subtracts the repairs they'd make, the months they'd hold it (taxes, insurance, utilities, interest), their costs to resell (commission, deed tax, closing), and their profit. Some iBuyers also charge a service fee and may deduct for repairs found at inspection, so the first number isn't always the final one.
When a cash offer makes sense
- You need to close on a set date, or quickly.
- The home needs work you can't or don't want to do.
- You're handling an estate or a home from out of state (selling a house in probate).
- You want to skip showings and the chance a buyer's financing falls through.
When listing usually nets more
When the home is in reasonable shape and you have a few weeks, listing puts it in front of every buyer at once, and competition sets the price. Across the Twin Cities, homes that sold in the 12 months through September 2026 spent 50 days on the market (Minneapolis Area REALTORS®); see our market reports for each city.
Compare them side by side
We'll get you the best cash offer we can find and, next to it, what you'd likely net by listing, after commission, the Minnesota deed tax and closing costs. Then you choose; there's no obligation either way. Request a cash offer and a net comparison, or run your own numbers in the net proceeds calculator.
Sources
- Minneapolis Area REALTORS®, Local Market Update (days on market by city)
- Minnesota Department of Revenue, deed tax rates
General information, not legal or tax advice. Checked November 8, 2026.