Your home. Your numbers. Your choice.
What would you actually walk away with?
A higher sale price is only part of the picture. Compare the repairs, expenses, and time involved in each option, then decide what fits your situation.
Build your comparison
These starting numbers are an illustration, not Minnesota market estimates or an offer for your property. Replace them with your own assumptions.
Listing expenses include your negotiated commissions and seller closing costs. Carrying costs include interest, taxes, insurance, utilities, and upkeep; exclude mortgage principal to avoid counting it twice. Use the same expected payoff balance for this simplified comparison.
Estimated proceeds after payoff
| Item | Listing | Cash |
|---|---|---|
| Sale price | — | — |
| Selling expenses | — | $0* |
| Pre-sale repairs | — | $0 |
| Carrying costs | — | — |
| Payoff + liens | — | — |
Enter a valid, nonnegative number in every field. Percentages must be 0–100.
A negative result means this example would leave a shortfall to address before closing.
*This cash example assumes MN Home Buyers pays standard closing costs. Your agreement and title statement determine actual amounts. Taxes on a sale, concessions, payoff changes, and unusual expenses are not modeled.
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Make the trade-off visible.
Listing may leave you with more money, especially if the house is ready to show and you have time. An as-is sale can reduce the repairs, preparation, and uncertainty you need to manage. This calculator gives you a starting point for that conversation.
Your cash price above is your own assumption. A real offer requires a review of your property. See how we calculate offers.