Selling
How to Sell a House As-Is
By David Golovin · September 30, 2026 · 2 min read
Selling as-is means no repairs before closing. Buyers can still run an inspection, but the results do not create fix-it obligations on your end.
Consider as-is when
- Estate or inherited property
- You need to close quickly
- Repair budget is limited
- Land value exceeds structure value
- Cash or investor buyers dominate your area
Make repairs when
- Repair cost is small vs. price gain
- Target buyers need FHA or VA financing
- Only cosmetic issues remain
- Similar comps are move-in ready
- You have time before listing
Disclosure still applies
Most states require sellers to disclose known defects regardless of as-is status. Selling as-is limits your repair obligations, not your disclosure requirements.
Source: National Association of Realtors, Profile of Home Buyers and Sellers
The assumable loan angle
An as-is home with an assumable FHA or VA loan can still attract rate-focused buyers willing to accept the condition in exchange for a lower estimated rate.
FAQ
Does selling as-is mean you have no disclosure requirements?
No. Most states require sellers to disclose known defects regardless of as-is status. Selling as-is means you will not repair them, not that you can hide them.
Can FHA or VA buyers purchase an as-is home?
FHA and VA loans require the property to meet minimum condition standards set by HUD and the VA. An as-is home in poor condition may not pass the appraisal, which limits your buyer pool to cash or conventional financing.
Do as-is homes sell for less?
Typically yes. Buyers factor in repair costs and risk. The discount depends on the extent of deferred maintenance and local market conditions.