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© Ariel Skelley/Getty Images A two-story house and yard

Mortgage rates are at historic lows, but not all homebuyers are leveraging the record-breaking downtrend with a home loan. Instead, they're forgoing financing and making an all-cash offer on a house.

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What is an all-cash offer on a house?

What does an all-cash offer mean? All-cash offers take the need for securing a mortgage out of the homebuying equation, eliminating the potential challenges of working with a bank or lender.

There are plenty of buyers who can afford to do it, too. According to ATTOM Data Solutions, more than 25 percent of single-family home and condo purchases in 2019 were all-cash deals.

Not everyone who makes an all-cash offer is going to live in the property, though. Some of those homes and condos are income properties, and those owners are often looking to pay no interest to a lender while earning money from tenants or travelers.

Pros and cons of an all-cash offer

The biggest upside for a cash offer is the long-term benefit of paying zero interest or principal on a mortgage, which can add up to big savings over the typical loan term.

The additional perks of paying cash begin before the property is even yours.

'You have a lot more negotiation power with an all-cash offer, and you can usually get a better price,' explains Boniface F. Allocco, attorney and co-founder of Allocco, Miller & Cahill, P.C. and a residential real estate law specialist in Illinois.

'If there are multiple offers on a property, the seller will most likely go with the cash offer because it's a sure bet,' Allocco says.

In addition to the potential of getting a lower price, the escrow fee is typically split between the buyer and seller in a cash transaction, whereas the fee is usually a buyer's charge when financing is involved. By avoiding this, Allocco says the buyer can save, on average, between $700 and $800.

You can also skip a number of the pesky fees that are tacked on when closing with a lender. No one needs to process your application, initiate a loan or verify your income, so many of the typical closing costs aren't a factor.


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All-cash offers also prove to be especially helpful for self-employed individuals.

'Those who are not traditional employees who receive W-2 forms can face difficulties getting financing,' Allocco notes. 'They have to jump through a few extra hoops.'

Cash offers aren't all upside, however.

'You don't have the benefit of a lender performing an appraisal,' Allocco says, 'so it's unknown if you're paying too much for the property.'

When tax time arrives, homeowners with mortgages benefit from writing off the interest that added up throughout the year, as well. Allocco says that he has seen some clients who want to make cash offers face pushback from their accountants who advise them to take the financing route so they can write off the interest and lower their tax bill.

How an all-cash closing differs from a traditional transaction

All-cash offers tend to close faster than deals where a mortgage is involved. However, according to Allocco, there's still typically a 30-day closing period due to work on the seller's end. In Chicago, for example, the seller will need to receive zoning survey certification, water certification, association documents if buying a condo, title documents and other formalized information about the property.

Cash buyers will still have to deal with some paperwork, too, but the number of documents required is significantly fewer than what is required for a traditional financed closing. In a cash closing, Allocco says that cash buyers will sign a settlement statement and a few title company documents.

How to make an all-cash offer

  • Budget for both the property and extra expenses. In addition to having the money for the property, you'll need to make sure that you can cover other costs such as property taxes, a home inspection, homeowners insurance and moving expenses.
  • Prepare to prove your personal finances. Get proper documentation from your bank that shows you have the funds ready for the transaction. 'The seller is going to want to see a piece of paper that shows you have the liquid cash to purchase this property,' Allocco says.
  • Be ready to be more earnest. All-cash offers are about the cash. With no lender involved, the seller will expect to see a bigger amount of earnest, or deposit, money - somewhere between 5 percent and 10 percent of the purchase price, according to Allocco.
  • Get a professional to look at what you're buying. You're paying a lot of cash, so once your offer is accepted, it's wise to pay for a home inspection to verify there are no hidden flaws with the property.

Bottom line

The ability to pay all-cash for a property can eliminate a lot of the stress of homebuying, but make sure it doesn't hinder the rest of your financial goals and obligations.

'A cash offer is not for everybody,' Allocco says. 'You still need to be able to have the liquidity to enjoy your life. If you can make an all-cash offer in a way that doesn't affect your regular lifestyle or impede your future retirement plans, it's probably a benefit to you.'

Featured image by Ariel Skelley of Getty Images.

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Gillian Jane Mercylin

Table Of Contents

Do you love playing online games? Then how does playing free online games to win real money with no deposit sound to you?

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Top Free Casino Games to Win Real Money Online Instantly - No Deposit Required

GameTypeLink
Rise of the PharaohsSlotPlay here
Age of the GodsSlotPlay here
Book of DeadSlotPlay here
Millionaire GenieSlotPlay here
Irish RichesSlotPlay here
Jacks PotSlotPlay here
European RouletteTable gamePlay here
Multihand BlackjackTable gamePlay here

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The top casinos we have covered are:

Now let's get to the free games they offer and what you can expect from each game.

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Age of The Gods

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Book of Dead

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Book of Dead is one of the most trending games you will find at an online casino and it is available for you to play on LeoVegas.

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You can enjoy the Book of Dead slot for free with no deposit at LeoVegas. All you need to do is create an account and receive 22 free spins and an opportunity to win real money!

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Millionaire Genie

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You can play either one, two or three lines and easily change your bets to suit your budget.

Think you have it in you to land a magic lamp? You'll be awarded 500 credits when you get three of them.

Millionaire Genie is an impressive game available on 888casino to players from the UK, Germany, Canada, and Ireland.

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All you need to do is register with 888casino, receive your $88 free bonus with no deposit and start spinning.

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Terms and Conditions apply:

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Irish Riches

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Land three or more of the wild symbols and you get free spins to give you a chance to raid the Leprechaun's loot.

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Irish Riches has a progressive jackpot that truly sets it apart from other Irish-themed slot games, and this is why it stands as a trending slot on 888casino.

Irish Riches is available for players in the UK, Germany, Canada, and Ireland.

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Jacks Pot

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European Roulette

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Multihand Blackjack

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Real Money Games With No Deposit FAQ

What free online slots pay real money?

When you sign up at online casinos like 888casino, Casino.com or LeoVegas, you are given an opportunity to play selected slots for free and still win real money.

Here are the free slots featured on these casinos that pay real money with no deposit:

  • Rise of the Pharaohs
  • Age of the Gods
  • Book of Dead
  • Millionaire Genie
  • Irish Riches
  • Jacks Pot
How can I win real money with no deposit?

Online casinos offer special casino bonuses for newly signed up players who wish to try their casino without the risk of making a deposit. Casinos such as 888casino, LeoVegas and casino.com are some of the great places to get these offers with no bonus code to remember.

How can I get real money for free?

If you are looking at playing games for free and still getting real money without making a deposit, casinos with no deposit bonuses are what you need. These casinos offer you a chance to play selected casino games for signing up to their website. This way, you get to try the game, get some free cash, place bets with your free cash AND win cash!

Are there any online slots that pay real money?

There are selected free slots on reputed online casinos that pay real money. There are offers and deposit bonuses available at these casinos to reward players for their loyalty too. While you can expect to win money without a deposit, you can also decide to add funds and get over 100 free spins as part of deposit bonuses.

Can you win money on free spins?

Offering a no deposit free spins bonus is a great way for casinos to help players get familiar with a slot. Players also have a chance to win real money on slots with no deposit if they choose to play these games. Depending on the offer from the participating casino, you can get free spins funds or free cash you can use on slots. Use your free spins, land high-paying symbols, wager your wins and take home your cash!


The promotion presented on this page was available at the time of writing. With some Casino promotions changing on daily basis, we suggest you to check on the site if it still available. Also, please do not forget to read the terms and conditions in full before you accept a bonus.