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How to Compare Offers on Your Union Home: Price, Terms and Risk
How to weigh offers on what you keep and how likely they are to close: financing, earnest money, contingencies, credits and timing, not just price.
Key takeaways
- Compare offers on net proceeds and certainty of closing, not on price alone.
- Financing type, down payment and lender strength affect how likely an offer is to close.
- Contingencies (inspection, appraisal, financing, home sale) are where offers fall apart.
- Credits toward the buyer’s costs reduce your net dollar for dollar.
- Your agent can counter on terms as well as price.
What to compare
| Term | Why it matters |
|---|---|
| Price | The starting point, before credits and costs |
| Financing | Cash, conventional, FHA or VA, and the down payment, affect appraisal and approval risk |
| Earnest money | A larger deposit signals commitment |
| Inspection terms | The length of the inspection period and what the buyer can ask for |
| Appraisal terms | Whether the buyer will cover some or all of a gap if the appraisal is low |
| Home sale contingency | Whether the purchase depends on the buyer selling another home |
| Credits requested | Closing cost help reduces your net |
| Closing date and possession | Whether it fits your move, and any rent-back |
Multiple offers
When several offers arrive, your agent can set a deadline, ask for highest and best terms, and counter more than one buyer where appropriate. The goal is the strongest combination of price and certainty, which is not always the highest number.
Why a net sheet for every offer
A higher price with large credits, a short appraisal guarantee or a home sale contingency can leave you with less, or with more risk, than a lower clean offer. Seeing each offer as dollars in your pocket makes the choice clear.
Questions sellers ask
Should I accept the highest offer?
Not automatically. Compare what each offer leaves you after credits and costs, and how likely it is to close given its financing and contingencies.
Is a cash offer better?
Cash removes financing and lender appraisal risk and can close faster, but a strong financed offer at a higher price can still net you more.
Can I counter more than one offer?
Yes, with care. Your agent can explain the options and how to handle them fairly.
From The Caldwell Group
Sell your Union home with a team that knows this market
Comparing offers well means reading every term and knowing which ones tend to cause trouble later. Your agent builds a net sheet for each offer, checks each buyer’s financing with their lender, and negotiates price and terms together.
The Caldwell Group | eXp Realty has closed 230 Union homes since 2005, 88 of them for sellers, and has helped more than 2,600 families across Northern Kentucky and Cincinnati. We price from real sales, market the home properly and handle every deadline through closing.
Dianna has helped us buy & sell multiple houses over the last 18 years. Her & her team make it as smooth as it could possibly be. Honest, available, professional and charismatic are just some of the words that come to mind. Thank you again Dianna, for helping us through the years!
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