Cash Offer Calculator – Reference Data
Estimated Value: Enter your best estimate of current market value (or ARV if fully repaired). Homeowners can use automated estimates like a Zestimate or a Comparative Market Analysis (CMA) based on recent comparable sales (“comps”) to get a starting value.
Discount Percent: Many cash investors use “rule-of-thumb” pricing such as the 70% rule (offer ≈ 70% of ARV before subtracting repairs), which is equivalent to a ~30% discount from ARV as a starting point. Your actual discount can be higher or lower based on condition, location, and speed/terms.
Repair Costs: Repairs vary widely. For a ballpark, whole-home remodeling guides commonly cite about $15–$60 per sq ft for many renovation scopes (and more for full gut remodels). To estimate a lump sum, multiply your home’s finished square footage by a $/sq ft assumption (e.g., 2,000 sq ft × $25/sq ft = $50,000).
Closing Costs: A common rule of thumb is ~2%–5% of the purchase price for closing costs (fees vary by state and transaction details). If you prefer a quick estimate, you can set closing costs to ~2%–3% and adjust as needed.
Sources:
Zillow – Home Value Estimator (Zestimate)
Zillow – Comparative Market Analysis (CMA) & comps
Rocket Mortgage – 70% rule (investor discount guideline)
HomeGuide – Remodel cost ranges ($/sq ft) for repairs/renovations
Zillow – Closing costs (typical % range)
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This calculator gives you a rough range, but a real cash offer depends on your home’s condition, location, and current local market activity.
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