Financing Option Buyers Should Know About: Cash Buy-Before-You-Sell

A growing number of buyers are exploring cash-backed programs that make it easier to move without the stress of selling first. One option gaining traction this spring is the Cash Buy Before Sell Program, designed for clients who want flexibility, stronger offers, and a smoother transition between homes.

Who This Benefits:

// Buyers who want to avoid contingent offers
// Sellers who need time to stage or refresh their current home for top dollar
// Clients who can’t qualify for two or three mortgages at once (this allows them to move with only one permanent loan)

How It Works:

1. The buyer is fully underwritten and approved for the cash program.

2. They go under contract using cash, typically closing within 10–14 days.

3. The buyer covers earnest money, standard title fees, and can choose to bring in a down payment at closing.

4. A short-term loan is secured through an investor; the cash-program fee is 1.9% of the purchase price, and sellers can contribute.

5. After moving into the new home, the buyer lists and sells their current property. Daily interest accrues on the short-term loan during this period.

6. Once their home sells, the buyer uses those proceeds to refinance into their long-term mortgage.

Cost Example:

On a $700,000 purchase, the cash fee is 1.9% ($13,300) plus daily interest of roughly $160/day until refinancing is complete.

There is also a streamlined 1% Cash Buyer Program, ideal for clients competing in high-demand neighborhoods — even FHA buyers are winning offers with this approach.

If you're curious whether this strategy could help with your next move, we’re happy to connect you with trusted lenders who can walk through the numbers.