Portland Metro Cash Home Buyer
How much do you lose when you sell your house for cash?
The honest answer: less than the headline percentage makes it look. After you subtract everything a traditional sale costs, the net difference is often just a few percent of the home's value.
A cash offer is usually 70% to 85% of the after-repair value. In exchange, you pay no commission, no repair bills, no closing costs, and no months of holding costs. The real question is what you keep, not what you lose.
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The short answer
You trade top dollar for speed, certainty, and zero out-of-pocket costs.
Most cash offers fall between 70% and 85% of what a home would sell for after it is fully updated. That discount is not pure loss. It is the buyer's budget for repairs, holding, resale, and a fair return for the risk they take on. Because you skip the costs of listing, the actual gap in your net proceeds is much smaller than the percentage suggests.
The real math
What a traditional sale actually costs you.
The sale price on a listed home is not the amount you walk away with. The costs below come out of the sale before you get your check.
Agent commission
~5–6%Often 5% to 6% of the sale price, and it varies. On a $400,000 sale, that is $20,000 to $24,000 right off the top.
Repairs and prep
~2–5%Paint, flooring, landscaping, roof fixes, staging, and anything a buyer's inspector flags. Often $5,000 to $20,000+.
Closing costs
~1–3%Title, escrow, transfer taxes, and pro-rated property taxes. Sellers usually cover 1% to 3% of the sale price.
Holding costs
~1–3%/moMortgage, utilities, insurance, taxes, and maintenance while the home sits on the market. Often 1 to 3 months for homes that need work.
Price reductions
$2k–$15k+If the home does not get offers quickly, agents often recommend dropping the price. Each drop is money out of your pocket.
Buyer concessions
$1k–$10k+Buyers may ask for credits toward repairs or closing costs. In a slower market, these add up fast.
Total typical cost
All together, a traditional sale can easily cost 10% to 15% of the sale price, plus the value of your time and the risk that the deal falls through. The longer it takes, the higher that number climbs.
The cash side
Where our number comes from.
A cash buyer gives you a single number. We build it from the after-repair value of your home, then subtract repairs, the costs to buy, hold, and resell, and a fair return for the work and risk we take on. Everything below is already baked into the offer, not deducted later.
- Zero agent commission
- Zero repairs or cleaning
- Zero closing costs
- Zero holding costs while the home sits on the market
- No staging, showings, or open houses
- No price reductions or buyer concessions
The discount is the buyer's margin for repairs, holding, resale, and taking on the risk. It is built into the offer, so the number you see is the number you get.
How your offer adds up
That offer is 80% of the after-repair value, inside the 70-85% range explained above. We walk you through every line before you decide anything.
Example comparison
A $430,000 home: listed sale vs. cash offer.
These numbers are realistic for a Portland-area home that needs modest work. Your home will be different, but this shows how the math usually works.
| Cost | Listed sale | Cash sale |
|---|---|---|
| Sale price / offer | $430,000 | $345,000 |
| Agent commission | − $25,800 | $0 |
| Repairs and prep | − $12,000 | $0 |
| Closing costs | − $5,000 | $0 |
| Holding costs (2 months) | − $4,000 | $0 |
| Price reduction / concessions | − $6,000 | $0 |
| Net to you | $377,200 | $345,000 |
In this example, the cash offer is about 8% below the net from a listed sale. For some sellers, that gap is worth eliminating months of uncertainty, repairs, and showings. For others, listing makes more sense. We are honest about which is likely better for your situation.
Is a cash offer right for you?
When a cash sale is worth the discount.
A cash offer is not the right choice for everyone. If your home is move-in ready and you can wait for top dollar, listing may net you more. But if any of these situations sound familiar, a cash sale can be the better net deal.
Inherited or probate property
You live out of the area, the home needs work, and you want to settle the estate quickly without becoming a landlord.
Major repairs needed
The roof, foundation, plumbing, or electrical need work you do not want to manage or pay for before selling.
Foreclosure or job relocation
Time is more valuable than squeezing out every dollar. A fast closing stops the bleeding and lets you move on.
Unwanted rental property
Tenants, damage, or burnout make the property a burden. A cash sale lets you sell as-is with the tenant in place.
You need certainty
Traditional buyers can back out after inspections or financing. A reputable cash buyer closes when they say they will.
You want the easiest path
No cleaning, no staging, no showings, no haggling. You sign and close, and the buyer handles the rest.
Protect yourself
Watch for these cash-buyer red flags.
Not every "we buy houses" company is honest. A bad cash buyer can cost you far more than a fair discount. Run the other way if you see any of these.
- 1Asks for any upfront fee or payment before closing.
- 2Refuses to put the offer in writing.
- 3Pressures you to sign on the spot.
- 4Has no local address or verifiable reviews.
- 5Drops the price after inspection or right before closing.
- 6Wants you to sign a contract they will not fully explain.
We do the opposite of every one of these.
Written offer, no fees, no pressure, real local address, locked price. You can call us, drive by our office, or read reviews from real Portland sellers.
Questions
Straight answers about cash sale losses.
Is a 70% cash offer a rip-off?
Do cash buyers pay closing costs?
Will the price change after I agree to a cash offer?
How much less is a cash offer than market value?
Are there fees I pay to sell my house for cash?
How do I know the cash offer is fair?
What sellers say
Real reviews from real Portland sellers.
"My husband and myself were looking to sell our home so we could move to the Coast and Dave was very fair in the price he offered and took into account our situation and we closed on a very timely matter. Would definitely refer him to friend and family."
"Bridgeview was great to work with! David was easy-going, and was quick and responsive with communication. He closed very quickly too. I would recommend doing business with him."
"My home in Hillsboro needed a lot of work. David at Bridgeview was no nonsense and extremely helpful. I chose his offer although it wasn't the highest. He required no inspection period, no funny business contracts. His follow through is flawless. It closed in a week with no problems."
See what your house is worth in cash.
No obligation. About 2 minutes. The number we give is the number you get.