Selling your home without a realtor can be a smart financial move, especially when working with a cash home buyer. However, to ensure a smooth and legal transaction, you need to gather the necessary paperwork. If you’re wondering, “what paperwork do I need to sell my house myself?“ this guide will walk you through every essential document.

Why Selling for Cash Makes Sense

Selling your house for cash eliminates the complexities of traditional real estate transactions. You can close quickly, avoid agent commissions, and reduce the risk of deals falling through. However, handling the process correctly requires the right paperwork to ensure a legally binding and stress-free sale.

Essential Paperwork Needed to Sell Your House Yourself

Here’s a detailed breakdown of the documents you’ll need:

1. Property Deed

The deed proves you are the rightful owner of the house. You will transfer this document to the buyer upon sale completion. Ensure the deed is free from encumbrances.

2. Sale and Purchase Agreement

This legally binding document outlines:

• The agreed purchase price
• Property details
• Terms of the sale
• Signatures of both parties

3. Property Disclosure Statement

Many states require sellers to disclose any known property defects. This document protects you from legal disputes after the sale.

4. Title Report and Title Insurance

A title report verifies the property’s legal ownership and reveals any liens or claims against it. Buyers often request title insurance to protect themselves from future disputes.

5. Bill of Sale

If personal property (e.g., appliances, furniture) is included in the sale, a bill of sale itemizes those assets.

6. HUD-1 Settlement Statement

Although more common in traditional sales, this statement provides a financial summary of the transaction. Some cash buyers may still request it.

7. Loan Payoff Statement (If Applicable)

If you have an outstanding mortgage, request a loan payoff statement from your lender to determine the exact amount due at closing.

8. Proof of Repairs and Renovations

Providing documentation for recent repairs (e.g., roof replacement, HVAC servicing) can add credibility and increase buyer confidence.

9. Government-Issued Identification

A valid photo ID (such as a driver’s license or passport) is required to notarize documents and verify your identity at closing.

10. Closing Statement

A final closing statement details the final sale price, fees, and amounts paid by both parties.

How to Streamline the Selling Process

To make selling your house without a realtor easier:

• Work with a reputable cash home buyer like XLNC Exotic Homes for a hassle-free transaction.
• Have all necessary paperwork prepared in advance.
• Consult with a real estate attorney to ensure compliance with state regulations.

Benefits of Selling to a Cash Home Buyer

Traditional Sale	Selling to a Cash Buyer
Takes 30-60 days	Closes in as little as 7 days
Requires agent fees (5-6%)	No agent fees
Risk of financing falling through	Guaranteed sale
Requires repairs & staging	Sell as-is

Final Thoughts

If you’re asking, “what paperwork do I need to sell my house myself?“, now you have a clear roadmap. Selling to a cash home buyer eliminates many of the usual headaches, making the process quick and stress-free.

For a free consultation and an effortless home-selling experience, contact XLNC Exotic Homes today.