Cash buyers
Buying a luxury home with cash.
Proof of funds, a shorter contract, and the protections a cash buyer keeps.
A live person answers. Not a robot, not a phone tree.
Concept photography: AI-generated illustrative imagery, not a property listing.
Send a proof-of-funds letter with the offer, keep your inspection and title protections, and close in as little as two weeks. 26% of buyers paid all cash in the last NAR survey year.
All-cash buyers.
A record share, NAR 2025 Profile of Home Buyers and Sellers (July 2024 to June 2025).
Funds letter.
A bank or brokerage letter showing the cash, dated this week.
Two-week close.
No lender, no loan conditions.
Keep the inspection.
Cash removes the loan, not the inspection or the title work.
How does a cash purchase work?
- Proof of funds. Send it with the offer.
- Inspection. Keep the inspection period. A cash offer with an inspection still wins.
- Appraisal. Optional. Order one to protect your price on a unique home.
- Title and wire. Title insurance protects you. Confirm wire instructions by phone before you send money.
Can I get cash back out later?
- Delayed financing. Some lenders let you take a mortgage soon after a cash purchase. Ask Mike Oswald at Rate: (720) 677-5816. You may use any lender.
- Keep reserves. Leave cash for repairs, taxes and insurance.
- Hold title right. Personal name, trust or LLC. Ask your attorney and CPA.
- Insurance first. Bind homeowners insurance before closing.
Quick answers
Questions, answered.
Is a cash offer always the winner?
No. Sellers weigh price, terms and timing. A cash offer at a lower price loses to a stronger financed offer.
How do I avoid wire fraud?
Call the title company at a number you find yourself before you wire. Never trust wire instructions sent by email alone.
Where to go next
Keep exploring.
Free playbook
The Colorado Luxury Downsizing Playbook.
Sell the estate, buy the right home, move once. The 12-week plan, the tax and cash questions, the ranch, patio, 55+ and golf communities, and the checklist. 8 pages, free.
A live person answers. Not a robot, not a phone tree.
Private consultation
Ask us about a cash purchase.
303-955-4220A live person answers. Not a robot, not a phone tree.
- Private showings on your schedule, including evenings and weekends.
- Off-market homes from the Kenna Real Estate Group's agent network.
- One point of contact from the first showing to the closing table.
Kenna Luxury Real Estate is a division of the Kenna Real Estate Group at Keller Williams DTC (KWDTC).