What Do You Do If You Can't Afford to Repair Your House Before Selling?

Selling a house that needs repairs can feel overwhelming—especially when you're short on time or money. Major issues like a leaky roof, cracked foundation, or outdated systems may scare off buyers or reduce your home’s value. But even if your house needs repairs, you still have options. With the right plan, selling a property in poor condition is absolutely possible.

Separate What Must Be Fixed From What Can Wait

Not every issue has to be resolved before listing. Start by focusing on safety or structural instability, mold, electrical problems, or plumbing failures. These often require immediate attention—even if you can’t afford home repairs—because they could make your home unsafe or ineligible for financing.

Less critical household fixes like scuffed floors, chipped paint, or outdated appliances may not stop a sale. A pre-listing inspection can help you understand which repairs are deal-breakers and which ones you can simply disclose to potential buyers.

Consider Different Ways to Sell

If you’re concerned about how to sell your home in its current condition, consider one of these strategies:

1. Offer Repair Credits

Instead of paying for household fixes upfront, you can offer a repair credit at closing. This allows buyers to handle the work themselves, while you avoid out-of-pocket costs. It’s a great way to make your home more attractive without putting yourself in a financial bind.

2. Sell the Home As-Is

When you can’t afford home repairs at all, an as-is sale may be the best route. Selling as-is means buyers agree to purchase your house in its current condition, with all issues disclosed. This is one of the simplest ways to sell when your house needs repairs but your budget won’t allow it.

An experienced real estate agent can help price the property appropriately, market it to the right audience, and guide you through the paperwork.

Other Ways to Handle Repairs (If Needed)

If you want to address some problems but lack the funds, there are still potential solutions. You might look into a personal loan, home equity line of credit (HELOC), or renovation-specific financing. Keep in mind that taking on debt carries risk—especially if you're planning to move soon.

Some cities and counties offer financial help to homeowners who need to fix safety issues but can’t afford home repairs. Also, ask contractors if they offer payment plans or financing options for essential work.

The Importance of Transparency About Your Home’s Condition

Whether you're selling a house that needs repairs or not, honesty is essential. Most states require sellers to disclose known issues, especially when selling as-is. Being upfront helps you avoid future legal trouble and reassures buyers they’re getting the full picture.

Clear, documented disclosures can also make buyers more willing to take on the property—even if household fixes are still needed.

Skip the Repairs—Sell Fast with 800CashToday

If you’re stressed because your house needs repairs and you don’t have the money or time to fix it, 800CashToday offers a simple way out. We buy homes as-is and provide fast cash offers so you can sell without investing in costly updates or long listings.

Need help relocating? We offer up to $1,500 in moving credit and can advance up to $10,000 when escrow opens. Plus, you pick your move-out date—giving you full control.

Selling a house that needs repairs doesn’t have to be hard. Contact us to get your fast, no-obligation cash offer today.