Cash offer or list with an agent? See what you would actually keep.

The highest price is not always the most money in your pocket. Put your numbers in and compare the two paths side by side, including repairs and the cost of waiting.

Your numbers are only the start

Fill in the form to see your results here. When you are ready, send us the address and we will turn the estimate into a real offer or a plain-English plan, at no cost.

Jump to the request form

How the comparison works

Listing usually brings a higher sale price on a house that shows well, but you pay for it. This calculator subtracts the agent commission, your closing costs, any repairs you would make to attract buyers, and the monthly cost of holding the house while it sells. It then subtracts what you owe.

A cash sale skips most of that: there is typically no commission and no repair list, and the closing date is yours to choose. The cash side of the calculator subtracts only what you owe and any costs you enter.

What the tool cannot know

Whether your house will actually sell at the price you enter, or how long it will sit.
Buyer financing that falls through, and the repair requests that follow an inspection.
Your tax situation. Ask a CPA before you decide.

Get the cash number in writing

Any buyer, including us, should be able to show you the offer line by line and say who pays which closing costs. If a number is vague, ask for it in writing before you compare. Our offers are no-obligation and stay good while you decide.

Questions about this tool

Is the cash offer always lower than the listing price?

Usually the cash price is lower, because the buyer takes on the repairs and the risk. The question this tool answers is what you keep after costs and time, which can be closer than the prices suggest, or can favor listing.

What should I put for months to sell?

Ask a local agent how long similar homes take to sell. Condition, price and season all matter, so use a realistic figure rather than a best case.

Does this include taxes?

No. Capital gains and other tax questions depend on your situation. Ask a CPA.

Not legal, tax or financial advice

These tools give general estimates from the numbers you enter. They do not replace advice from a Texas attorney, a CPA or a licensed lender. Captain Saves A Home buys houses, so we have an interest in a sale, and we will tell you honestly when another option fits better.