How Long Does It Take to Close on a House With Cash?
Last updated: February 2026
Max Cohen
Licensed General Contractor · FL Home Buyers
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.
What Controls the Cash Closing Timeline in Florida
The title search is the bottleneck. Florida title companies need 3-5 business days for a standard search, longer if there are liens, open probate, or chain-of-title issues. Under F.S. 627.7711, the title insurer must examine the chain of title before issuing a commitment.
We've closed as fast as 7 days on clean titles. The 14-21 day range is more realistic when there are liens to clear, HOA estoppel letters to obtain (condos and HOA communities), or municipal lien searches to complete. Some Florida municipalities take 10-15 business days for lien search results.
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.