Cash Offer vs. Foreclosure vs. Listing — Run Your Own Numbers

Enter five numbers and see an honest side-by-side estimate of what each path likely nets you, and how long it takes. No signup, no gimmicks — and yes, sometimes the listing wins. The point is knowing before you choose.

Your Numbers

What similar renovated homes nearby sell for
To bring it to the condition of those comps

Direct Cash Sale

—
estimated net to you
  • Typical offer (~78% of value)—
  • Repairs you pay$0
  • Commissions & fees$0
  • Holding costs (~2 wks)—
  • Payoff of balance & liens—
⏱ 7–14 days

Traditional Listing

—
estimated net to you
  • Sale near market value—
  • Repairs before listing—
  • Commissions & closing (~7%)—
  • Holding (~3.5 months)—
  • Payoff of balance & liens—
⏱ 90–120 days

Let Foreclosure Happen

—
estimated net to you
  • Typical auction recovery (~65%)—
  • Foreclosure fees & costs—
  • Arrears added to payoff—
  • Credit impact (~7 years)severe
  • Excess proceeds require a claimoften $0
⏱ bank's timeline, then eviction

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These are estimates, not offers or advice. Real numbers depend on your specific property, payoff amounts, market conditions, and timing. Cash-offer percentages reflect typical investor ranges (70–85% of after-repair value); auction recovery varies widely and any surplus requires you to file a claim for excess proceeds. If you're facing foreclosure, read the California foreclosure timeline and talk to a HUD-approved counselor (1-800-569-4287) — both free. This tool is informational only and not legal, tax, or financial advice.
Side-by-side comparison of a direct cash sale, a traditional listing, and letting a Sacramento home foreclose, showing timeline, repair costs, commissions, certainty, and typical net proceeds for a $500,000 home needing $25,000 in repairs with $300,000 owed
Illustrative only. On these inputs a traditional listing nets more — if you can fund the repairs and wait. Not legal, tax, or financial advice.