Most sellers want to know one thing first: how much will a cash home buyer actually pay? There’s no single percentage true for every house, but the math behind a fair offer isn’t a secret.
The formula behind a real cash offer
It starts with the after-repair value (ARV) — what the home would sell for fully fixed up, based on recent comparable sales in your Hartford County neighborhood. From there we subtract:
- Repair costs to get the house to that condition.
- Selling and holding costs — taxes, insurance, utilities, and resale costs while we own it.
- A modest margin — reasonable, not greedy.
ARV minus those three things is your offer. When a buyer explains it this way, you can check the logic yourself.
What moves the number up or down
Condition is the biggest factor. Location and recent nearby sales set the ceiling. A clean title and a straightforward closing help too.
Why “lower than retail” can still be the smarter number
Compare it honestly to a traditional sale: subtract 5–6% agent commission, the repairs an inspector will demand, and several months of mortgage, taxes, and utilities while it sits. For a house that needs work, the cash net is often much closer than sellers expect — with none of the uncertainty.
We’re glad to walk you through the numbers on your specific Hartford County house.
(860) 288-3536