What Happens After You Accept a Cash Offer on Your Indiana Home?
You have accepted a cash offer on your Indiana home. Now what? Many sellers are surprised by how simple the process is compared to a traditional sale. Here is a step-by-step breakdown of exactly what happens between accepting the offer and receiving your money.
Step 1: Purchase Agreement Is Signed (Day 1)
After you accept the offer verbally, both parties sign a written purchase agreement. In a cash sale, this document is straightforward — it specifies the purchase price, closing date, and that the sale is as-is with no financing or appraisal contingency. You will also complete Indiana's seller disclosure form required under IC 32-21-5, disclosing known defects. The signed agreement is sent to the title company to open escrow.
Step 2: Title Company Opens Escrow (Days 1–2)
The title company opens an escrow file and begins the title search. They order a title commitment, request a mortgage payoff statement from your lender, and identify any other liens or encumbrances. You do not need to do anything during this step — the title company handles it. If you have a mortgage, your lender will provide a payoff statement showing the exact amount needed to pay off the loan at closing.
Step 3: Title Search and Issue Resolution (Days 2–7)
The title search typically takes 3–7 days. If the search finds liens or other issues, the title company issues requirements — conditions that must be met before closing. Most issues (mortgage payoff, tax liens, judgment liens) are resolved automatically at closing from sale proceeds. If there are complex issues, the title company will contact you with instructions.
Step 4: Closing Disclosure and Closing Day (Days 7–14)
Before closing, the title company prepares a closing disclosure showing all credits, debits, and your net proceeds. Review this document carefully — it shows exactly what you will receive. On closing day, you sign the deed and closing documents (at the title company or via mobile notary). The buyer's funds are wired to the title company. After all documents are signed, the title company disburses funds and records the deed.
Step 5: You Receive Your Proceeds (Closing Day)
After closing, the title company wires your net proceeds to your bank account or issues a check — typically the same day or next business day. Your mortgage is paid off, any liens are satisfied, and the deed is recorded with the county recorder. You are done. The entire process from accepted offer to proceeds in your account typically takes 7–14 days with Bartolini Cash Buyers.
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