Get a cash offer for a house in a divorce.
Split the equity, settle the mortgage, move on. Enter the address and see a real cash number. Both spouses sign; we close on a date you both agree to.
The house is the biggest asset. It's also the hardest to divide.
Most US states divide marital property equitably (not always 50/50) under their dissolution statute. A handful — California, Texas, Arizona, Idaho, Louisiana, Nevada, New Mexico, Washington, Wisconsin — are community-property states with a 50/50 default. Either way, the marital home is almost always the single biggest asset, and it's the one where the divorce slows down most. One spouse wants to keep it, the other wants out. Neither can afford the mortgage alone. Or one has moved out and the other is sitting in a house on the verge of foreclosure.
Selling for cash is often the cleanest resolution. One number, split per the decree or the MSA, both spouses sign at closing, done. Neither party has to qualify for a refinance. Neither has to live with the other's choices about the house.
The one hard requirement: both spouses on title must sign. If one refuses, you need the court. We can't fix that with an offer.
Your stage sets your buyer pool and your offer range.
What a cash buyer actually pays here.
A divorce sale prices the same as any standard cash sale. ARV × 0.65–0.75, minus repairs, minus margin. The divorce itself doesn't discount the house — what discounts it is whether the house has been neglected, whether one spouse is still living there and delaying showings, and whether the timeline is rushed by the court.
Example: $340,000 ARV in Denver, CO, $18,000 in repairs, both spouses cooperative. The math lands at $340,000 × 0.73 = $248,200, minus $18,000 repairs, for a cash offer around $230,000. Proceeds split per the MSA — usually 50/50 after the mortgage is paid off.
The speed premium matters here. Many divorcing couples want to close the month the decree is entered, before either party's life changes again. Cash delivers that. A listing cannot.[1]
Cash vs. listing — here's how long each takes.
The timeline is dictated by the case, not the buyer. If an MSA is signed, we can close in 21–45 days. If you're pre-MSA, the offer sits in hand until the court or the parties authorize the sale. No pressure from our side; we've had divorce sales close 2 weeks after first contact and others wait 8 months.
With work before listing, photos, time on market, and inspection risk. On a tight timeline, a listing usually doesn't close in time — you'd want cash or a hybrid strategy.
When cash is NOT the right move in a divorce.
If one spouse wants to keep the house and can actually qualify for the refinance alone, a buyout is almost always better than a sale. The buying spouse cashes out the other at fair market value (usually an appraisal) and refinances the mortgage into their own name. No cash buyer discount, no showings, no move.
If the house is in great shape and neither spouse needs immediate liquidity, listing nets more. On a $400k house, the gap between cash and retail is usually $60k+ after commissions — enough to fund a down payment on each spouse's next place.
And if the divorce is contested and the house is a flashpoint, don't sell to a buyer first. Stabilize the case. A rushed sale during a contested divorce creates claw-back risk if the court later rules the sale violated a temporary restraining order.
Cash offer · List with agent · Buyout by one spouse.
The questions homeowners ask us first.
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