Offerpad fees on a cash sale are published on its own site: a 5% service fee, plus the seller's own closing costs, which Offerpad puts at about 1% of the purchase price. Eagle Cash Buyers is a direct cash buyer that charges no fees and pays the closing costs except your share of any transfer tax, though your payoff and liens still come from the proceeds. The bigger differences are which houses each company would buy and how the closing works.
Eagle Cash Buyers wrote this, so read it as one side's account and check it. Every fact about Offerpad below comes from Offerpad's own pages, mainly its seller FAQ and its sell page, quoted or closely paraphrased and checked in November 2026. Fees and markets change, so confirm them with Offerpad before you sign. Offerpad is a trademark of its owner. We have no business relationship with it.
Offerpad vs Eagle Cash Buyers at a Glance
The Offerpad column follows its own pages, checked in November 2026.
| Offerpad (its own pages) | Eagle Cash Buyers | |
|---|---|---|
| Company fee on a cash sale | 5% service fee | No fees |
| Seller closing costs | Paid by the seller, "approximately 1% of the purchase price," varying slightly by state | We pay them, except your share of any transfer tax on a standard cash offer. Your payoff, liens and prorated property taxes come from the proceeds |
| Repairs found at inspection | A repair credit, repairs by a licensed contractor before closing, or Offerpad may cancel | No repairs and no repair costs. Our standard agreement includes inspection rights and contingencies, so ask what can change after the walkthrough |
| Closing date | You pick, from 8 to 60 days out. Beyond 60 days is case by case | Most sales close in 21 to 42 days, or later if you need more time. You pick the date |
| Staying after closing | Up to three days under an Extended Stay agreement, with a refundable security deposit | In some cases a short stay of usually one to two weeks, with part of the proceeds held in escrow and released when you move out |
| Mobile and manufactured homes | Not bought | Only when sold together with the land |
| Serious condition problems | Typically not bought | Any condition. An offer depends on the area, the value and the numbers |
| Who may end up buying | Offerpad, or a third-party buyer through its Cash Offer Marketplace | Eagle, or an assignee if the agreement allows it |
| Where | Selected metro areas. Check its Locations page | 43 states |
How Does Offerpad Work?
Offerpad's sell page calls it "a cash home buyer," and the company describes itself more broadly than that. Its 2025 annual report filed with the SEC says it provides "cash offers, brokerage services, access to additional cash buyers through marketplace-enabled capabilities, and renovation services." The same report describes a Cash Offer Marketplace in which "qualified cash offers are routed through a marketplace of third-party buyers," so ask who the buyer on your contract is.
Its sell page lays out four steps: request an offer online, review it along with other selling options, pick a closing date from 8 to 60 days out, then close and move. Offers usually expire after seven days.
The offer is not final until the house is seen. An Offerpad partner does a free on-site assessment "to verify specifications, the conditions of your home and identify any necessary repairs." If repairs turn up, you can give Offerpad a credit and let it do the work, which it calls its most popular option, or hire a licensed contractor to finish them before closing. Or you can decline. Then Offerpad, as the buyer, "can cancel our contract or decide if we still want to purchase your home," with no penalty to either side.
How Does Eagle Cash Buyers Work?
Tell us the address and a little about the house. We review it, may ask to walk through it, and send a written cash offer with no obligation. If you accept, a closing agent handles the title work and you choose the closing date. You can usually expect a written cash offer within one business day.
At Eagle, our policy is to have everyone on the deed and every decision maker on the call when we present the offer, so they can decide together whether to move forward. Eagle may purchase the property itself or, if the purchase agreement permits, assign its contractual rights to another investor or purchasing entity. Any assignment right is stated in the agreement before you sign.
We also have a second route. With Retail Max, we put the house under contract at an agreed price above our straight cash offer and market it to an end buyer, which means showings and a longer timeline that depends on that buyer's financing. The seller usually nets more than with our cash offer, but less than a full retail listing of a fixed-up house.
Offerpad Fees vs Eagle's Closing Costs
Offerpad's FAQ is direct about its pricing: "We charge a simple service fee of 5% for completing our cash offers." On top of that, the seller and buyer each pay their own closing costs, "approximately 1% of the purchase price, though this may vary slightly by state." Offerpad says those closing costs cover items such as title insurance, escrow fees, HOA transfer fees and taxes. Any repair credit from the assessment also comes off the price.
Eagle charges no fees, and the seller pays no repair costs and no closing costs. Your mortgage payoff, any liens and prorated property taxes are paid from the sale proceeds. On a standard cash offer the seller pays the transfer tax; on a Retail Max sale Eagle pays it. The purchase agreement states who pays. Eagle does not charge you an agent commission when you sell your house directly to us.
A fee line on one offer and none on the other does not tell you which nets more. The price matters as much. A cash offer is usually lower than the price a fully repaired home could reach on the open market, because the buyer takes on the repairs, the holding costs and the risk of reselling. In return you skip the repairs, the showings and the wait. That is how we price our offers. Judge Offerpad's the same way, by what you keep.
| Illustrative example (not a quote from either company) | Offer A: 5% fee, seller pays ~1% closing costs | Offer B: no fee, buyer pays closing costs |
|---|---|---|
| Offer price | $300,000 | $283,000 |
| Company fee | -$15,000 | $0 |
| Seller closing costs | -$3,000 | $0 |
| Repair credit after inspection | -$4,000 | $0 |
| Transfer tax (varies by state) | Part of the ~1% closing costs | -$1,000 |
| Before your payoff and liens | $278,000 | $282,000 |
In this example the lower headline offer leaves more before the payoff. With no repair credit, the two tie at $282,000, and if Offer B were $2,000 lower, Offer A would come out ahead. The $17,000 gap between the two prices is made up too, so run the math on your real offers.
Which Homes Does Offerpad Buy, and Which Does It Pass On?
Offerpad typically buys single-family homes, townhomes and homes in gated communities. It does not buy homes outside its service areas, "manufactured, prefabricated, or mobile homes," and "homes that are not vacant as of the closing date (or after an extended stay, if applicable)."
A second list covers homes it "typically will not buy":
- Homes built before 1950
- Homes on lots larger than 2 acres
- Homes valued at more than $1 million, depending on the market
- Homes with "significant foundational, structural, or other condition issues"
- Homes where the seller does not have clear ownership
To its credit, Offerpad's FAQ adds: "Even if we can't buy your home for cash, we can still help you sell when you list with Offerpad."
Our list is shorter. We buy houses in any condition. Whether Eagle makes an offer depends on the area, the value and whether the numbers work, not on condition. We buy mobile homes only when they are sold together with the land they sit on (see our mobile home guide). Eagle does not buy homes in 55+ or retirement communities, or on-base military housing.
Two of those situations show up in our own files. In the seller files Eagle documented in 2026, about one in ten sellers had a house in severe condition and about one in five had a title or paperwork problem. These are sellers who contacted a cash buyer, not a representative sample of home sellers. Severe condition lines up with Offerpad's "significant foundational, structural, or other condition issues." A title or paperwork problem is broader than Offerpad's "does not have clear ownership," so only some of those sellers would fall on its list.
When Offerpad May Be the Better Fit
Offerpad's own lists point to single-family homes and townhomes in its service areas, not built before 1950 and without significant condition issues. Own one? Then its offer deserves a close look, because some of its terms go further than ours:
- A faster published minimum. Offerpad lists minimum closing times by state, from 8 business days for homes without an HOA in states such as Arizona and Texas to 15 business days in Florida, Georgia and Ohio. Our usual range is longer.
- Moving help. Its sell page lists free moving services up to 80 miles, and its FAQ notes that restrictions apply.
Sometimes neither of us is the right route. Two things decide this: whether you have the time to wait a sale out, and whether you have the money to put the house right first. Where you have both, list it with a good local agent, and we can usually tell you so.
When a Direct Cash Buyer May Fit Better
A direct buyer may suit you better when the house is on Offerpad's pass list or the terms matter more than speed. The broader model differences are in our guide to cash buyers vs iBuyers.
- The house needs serious work. Offerpad typically passes on significant foundational or structural issues.
- The house is older, on a large lot or a mobile home. Offerpad says it typically will not buy homes built before 1950 or on lots larger than 2 acres, and it does not buy mobile homes.
- You are outside Offerpad's metros. Homeowners in 43 states can request a written cash offer from Eagle. Being in one of them is not the same as an offer.
- You need more than 60 days. Offerpad handles that case by case. In the same 2026 seller files, about one in seven sellers needed flexible timing. Most sales close in 21 to 42 days, or later if you need more time. You pick the date.
How to Compare Two Cash Offers (and Does Offerpad Lowball You?)
Nobody outside the deal can tell you whether one offer is low. What you can check is what you keep. Offerpad's sell page says its "offer prices depend on your home's location, condition, and the local market." Its FAQ also offers to re-evaluate if it missed something about your home. Put both offers on one sheet:
- Get both offers in writing, with the purchase agreement.
- Subtract every fee, closing cost and transfer tax each buyer says you pay.
- Ask what can change the price after the inspection or walkthrough, and whether the buyer can cancel.
- Check the dates: how long the offer stays open, the closing date range and when you must be out.
- Ask who the final buyer may be, since both companies describe ways another buyer can be involved.
Our walkthrough of a cash offer purchase agreement shows where those terms sit, clause by clause. For the line items on the settlement statement, see what closing costs sellers pay in a cash sale. And whoever you talk to, our red-flag checklist for cash buyers applies to us too.
Eagle Cash Buyers is not a law firm, title company or tax advisor. This information is general and is not legal, title or tax advice. Laws, procedures and transaction costs vary by state and locality, and the purchase agreement and closing documents control each transaction.
Offerpad vs Eagle Cash Buyers FAQ
How much does Offerpad charge?
Offerpad's FAQ lists a 5% service fee on its cash offers. The seller also pays their own closing costs, which Offerpad estimates at about 1% of the purchase price, varying slightly by state (checked November 2026).
How fast can Offerpad close?
Offerpad's sell page lets you pick a closing date from 8 to 60 days out, and its FAQ lists minimums from 8 to 15 business days, depending on the state and whether the home is in an HOA (checked November 2026).
Is Eagle Cash Buyers an iBuyer?
No. Eagle is a direct cash buyer. Our team reviews each house before we make an offer. Eagle may buy directly or assign the contract (disclosed in the agreement before signing). For our side-by-side with Opendoor, see Eagle Cash Buyers vs Opendoor.
Can I get offers from both Offerpad and Eagle?
Yes. An offer is only an offer. Nothing is binding until you and Eagle sign a purchase agreement, and Offerpad's offers carry no obligation either.
