How Long Does It Take to Close on a House With Cash?
Last updated: February 2026
Quick Answer
Cash home sales close in 7-30 days, compared to 45-60 days for financed purchases. We can close in as little as 7 days because there's no mortgage approval, no appraisal, and no bank underwriting. The only requirements are a clean title and signed documents.
Cash vs. Financed: Timeline Comparison
| Step | Cash Sale | Financed Sale |
|---|---|---|
| Mortgage application | Not needed | 1-2 weeks |
| Appraisal | Not needed | 1-2 weeks |
| Underwriting | Not needed | 2-3 weeks |
| Title search | 5-7 days | 5-7 days |
| Closing documents | 1-2 days | 3-5 days |
| Total time | 7-14 days | 45-60 days |
Why Cash Closings Are Faster
When you sell to a cash buyer like us, you skip most of the traditional sale process:
- No mortgage approval: We don't need to wait for a bank to approve our loan—we have the cash ready.
- No appraisal: Banks require appraisals to protect their investment. We don't need one because we're using our own money.
- No underwriting delays: We don't have a loan file sitting in someone's queue waiting for review.
- No financing contingency: Our offer won't fall through because of a loan denial.
What Affects Cash Closing Time?
Even cash sales have a few requirements that affect timing:
- Title search: We need to verify clear ownership and check for liens. This takes 5-7 days.
- HOA clearance: If your property has an HOA, we need an estoppel letter confirming no outstanding dues.
- Probate court approval: If you're selling through probate, court approval may add time.
- Your timeline: If you need time to move or make arrangements, we can wait up to 60 days.
Our Typical Timeline
Here's what a typical cash sale looks like with FL Home Buyers:
Day 1: Contact us
Fill out our form or call. We'll ask about your property.
Day 1-2: Property walkthrough
We visit the property (in person or virtual) to assess condition.
Day 2-3: Receive offer
We present a written cash offer with no obligation.
Day 3-7: Title work
The title company runs a search and prepares documents.
Day 7-14: Close and get paid
Sign at the title company and receive your funds.
Need to close faster? We've done it in as little as 7 days when title is clear. Need more time? We can wait up to 60 days. You choose your closing date.
Ready to get started? Call (561) 258-9405 or get your cash offer online.