Free tool
Cash offer vs. listing: what would you actually keep?
The list price is not what you keep. Enter your own numbers — every field is editable — and compare the estimated amount that would actually reach your account in each path. No email required, nothing is saved or sent.
Path 1: List with an agent
Path 2: Direct cash sale
Holding costs still accrue until the cash closing — the calculator counts them using the same monthly figure from Path 1. With AZ Home Cash there are no commissions and we pay standard closing costs, so the default fee is $0 — but enter whatever each buyer quotes you.
Enter your numbers above.
Both results are before paying off any mortgage or liens — those payoffs are identical in either path, so they don't change the comparison. Estimates only; your settlement statement is prepared by the title company.
How to use the result
If the two nets are close, the cash sale is usually the stronger deal — it removes months of risk: a financed buyer falling through, inspection re-negotiations, another summer of cooling a vacant house. If listing nets dramatically more and you have the time, money for repairs, and patience for showings, listing may be right. We'll tell you honestly if we think it is — bring us your numbers: 602-462-8891.
Collecting several cash offers? Good — that's what we'd do. Use our guide to 10 questions to ask before signing a cash offer to make sure the biggest number is real.
Frequently asked questions
Why compare net proceeds instead of sale price?
Because the sale price is not what you keep. A listed sale usually brings a higher price but subtracts repairs, commissions, closing costs, concessions, and months of holding costs. A cash sale brings a lower price with few or none of those costs. The fair comparison is what reaches your account.
What counts as a holding cost?
Property taxes, insurance, utilities (cooling matters in Arizona), landscaping or pool service, HOA dues, and the mortgage payment if there is one — every month until closing.
Are commissions fixed?
No — commissions are negotiable and vary by agreement. Enter whatever rate you've been quoted.
Disclaimer: This calculator provides rough estimates for comparison, not a quote, appraisal, or financial advice. Actual figures depend on your property, contracts, payoff amounts, and the title company's settlement statement.