Selling a House For Cash In Florida (The Complete Guide)

It would only make sense for you, the homeowner looking to sell a property in the sunshine state of Florida, to know everything you can about selling a house for cash. Why?

Well it’s because Florida has 6 out of the top 7 counties in the nation where the largest % of home sales are cash, according to CNBC.

Yupp counties like West Palm Beach, Miami-Dade, Hillsborough (Tampa), and Broward (Ft. Lauderdale) make-it in the top in the entire United States for cash sales.

In this article, we’ll cover the process of selling a Florida house for cash from A-Z.

Selling a House For Cash In Florida

Is it illegal to sell a house for cash in Florida?

Yes it is illegal. Well, It’s a bit of a silly technical statement because selling a house with actual cash is illegal in Florida and every other state. Due to Federal laws and regulations to control money laundering and illegal activity bringing a duffle bag of cash for $100,000 to the title attorney’s office isn’t going to work. So when you hear the term “selling a house for cash” what this really means is that the buyer is not going to use a mortgage or lender and will be purchasing the home outright without need for a 3rd party to finance the purchase.

How do you sell a house for cash without a realtor In Florida?

What makes a cash sale so attractive is that it is the fastest way to sell a house because it usually involves the least amount of parties. Well here is what I mean, in over 70% of  real estate transactions there are 6 parties involved

(1) the homeowner

(2) the homeowner’s realtor

(3) the buyer

(4) the buyer’s realtor

(5) the bank/lender

(6) the title attorney/company.

Now in a cash transaction over 80% of these transactions in Florida take place without a realtor, thus reducing the amount of parties involved to 3:

  1. the homeowner/seller
  2. a cash buyer (like us)
  3. the title attorney (like Attorneys Key Title, our clients love them over there).

So you don’t need to be great at math to realize transaction #2 with only 3 parties involved is going to be the ideal way when needing to sell a house fast.

Process of selling a house for cash In Florida

In Florida, legally  you do not need to be represented by a realtor or in fact by anyone to be able to sell your house. Now, you can of course choose to work with someone or just do it on your own by contacting a home buying company. Most, if not all home buying companies purchase homes for cash, remember that means without a need for a bank or lender, the buyer makes the decision to purchase at the agreed upon price. In order to sell a house for cash all that would be needed is title to the property in your name, a couple disclosures and a reputable cash buyer. The reputable cash buyer would walk you through the process and save you from paying fees and commissions to any of the other parties discussed above.

Step #1 – Find a Reputable Cash Buyer. This is probably the most important step because the rest of the process and the service you receive will vary dramatically depending on the cash buyer that you contact. We’re not oblivious either, we know there are other companies like us out there but we would encourage you to review our Guide to Speaking With Cash Buyers if you do decide to contact another company than us. 

Step #2 – Request a Cash Offer. Fill out a form or call in to the company whichever you feel most comfortable with. You should receive an offer for your home in less than 24 hours of reaching out.

Step #3 – Acquire Proof of Funds. In addition to the offer to confirm the ability to actually purchase the home for cash and not waste your time you should request proof of funds from the Cash Buyer.

Step #4 – Review Offer Amount & Terms. Determine how much you will be walking away with after paying any mortgages or other debts. Assuming you’re walking away with enough so that you’ll be able to accomplish what you set out to do by selling the property, accept the offer.

Step #5 – Complete Walk Through & Submit Disclosures. Set up for a walk through of the property to check the structural conditions, interior conditions and for the Cash Buyer to finalize their repair estimates. Disclose any material defects to the house you are aware of that the buyer might not be able to see.

Step #6 – Clear Escrow and title. The last step in the process is the verification that you, the seller, have a clear ownership of the property and can legally move forward with the sale. During this “due diligence” period the Buyer should have a deposit on file with the closing attorney to prove their intentions to purchase the property once the due diligence comes back positive.

Step #7 – Review & Sign Closing Documents. This is the easy part, we’ll send a closing agent out to you at the property so you do not even need to go anywhere or do anything. The closing will take place on your schedule and location. Finally, the money will be transferred to you from the closing attorney’s escrow account and the Cash Buyer will become the new owner.

Step #8 – Start the next chapter of your life. Don’t take it from us, check out our past client reviews and how selling their home cash to us made all the difference in the world.

Selling a house for cash pros and cons

Don’t just take it from us or our happy past clients, go ahead and make your own decision about selling a house for cash or going the traditional way and listing it with a real estate agent.

Here’s what all the fuss is about and why so many homeowners believe selling their house cash is a better option, but especially when you want to  sell a house in as is condition. First, you do not need to clean or invest money into preparing the house for display. Second, you’re guaranteed a closing date and it’s usually in less than 21 days, especially if you chose us to be the buyer. Third, you don’t need to provide showings to a bunch of random strangers that would parade through your house for the next 3 months and require you to be there at certain times. Fourth, there are no formal inspections done to the property and it does not need to pass an inspection either what you see if what you get. Finally, cash offers are 98% more likely to close than non-cash offers based on our experiences.

Below you can see a few pictures of all cash purchases we made recently in Florida. As you can tell, this home would have been near impossible to sell to a buyer that required bank financing.

As-Is All Cash Purchase of a home in poor condition in South Florida

Exterior of a recent all Cash Purchase made by™

Now, of course all of that sounds too good to be true so there has to be a few drawbacks to the miracle sale you speak about. Yes there are a few cons such as lower competition because let’s face it there are more ordinary buyers out there than companies buying homes for cash. Second, in exchange for the quick cash 21 days or less it comes at a cost that must be known. Third, there’s the opportunity for scams because there is often no one representing the homeowner and some bad actors try to take advantage of this situation and that is why it’s so important to find a reputable company with reviews from past clients.

Find a Local Florida Cash Buyer

A reputable and ideally local cash buying company is extremely important because well this is a huge deal, we’re talking about a lot of money on the line. Additionally, there are many scams out there that can easily be avoided just by working with a reputable company that has testimonials from past clients and a team dedicated to buying and selling houses. You don’t want to leave your largest amount of money coming to you up to a person who is buying houses part time or lacks experience. There’s also a great benefit to using a local cash buyer because they will already have the proper closing documents for a cash sale, the attorney ready to work on your closing, the contractors ready to obtain renovation quotes and the team dedicated to getting your home to the finish line and that cash in your pocket. Well, I guess I got a little carried away there BUT i do know that is exactly what you would get when working with us. I would hope that is what you’d get anywhere you go. Reminder to check out our guide to speaking with cash buyers either way you decide. 


There you have it, all the information you’d ever need about selling a house for cash in Florida. Hopefully it makes a little more sense to you why so many homeowners are choosing the cash offer option. If you’re unsure about whether you’d make more or less money by selling your home cash, be sure to check out our article that is full of real life examples of all cash home transactions in Florida. In case you missed it, the key to a smooth cash sale in Florida is to work with a reputable cash buying company whether it be us or anyone else check their reviews.

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