As of 2024, all-cash buyers accounted for 32% of all U.S. homebuyers—a significant rise from previous years. But what if you don't have the cash on hand to make an offer?

An all-cash offer on a house doesn’t mean you can’t still get a mortgage. It just means changing the underwriting timeline.

Let’s start with an explanation of what makes an offer “all cash.” Sellers want to know that when they sign a contract with a buyer, the buyer will close on the purchase of the home.