Contracts

Cash Purchase Agreement Real Estate Template for Investors

A ready to fill cash purchase agreement built for investors.

Price, earnest money, and closing date
Cash, subject to, or seller financing options
Buyer inspection period and cancellation

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What Is Inside

This free cash purchase agreement real estate template is built for investors who buy houses directly from sellers. It is a blank Purchase and Sale Agreement with buyer protections and investor disclosures already written in. It is not legal advice and should be reviewed by a local real estate attorney before you use it.

The agreement has blanks for the buyer, seller, property and legal description, purchase price, earnest money held by the title company, and a closing date. Checkboxes let you choose cash, taking over the seller's existing loan, or seller financing. Buyer protections include an inspection period where the buyer can cancel for any reason and get the earnest money back, lockbox access for vacant homes or 24 hour notice for occupied homes, tenant terms, a title objection and cure process, and buyer paid closing costs.

Investor disclosures cover equity release (the price may be below market), profit intent, the right to assign the contract, and the right to novate to a third party buyer. It also includes remedies, lead paint, seller representations, memorandum recording rights, indemnity, agency disclosure, and signature blocks. Laws differ by state, so have a local real estate attorney review it first.

What it covers

Price, earnest money, and closing date
Cash, subject to, or seller financing options
Buyer inspection period and cancellation
Property access and lockbox terms
Title objection and cure process
Equity release and profit disclosures
Assignment and novation rights
Remedies and seller representations

Who This Is For

Investors who buy houses directly from sellers
Wholesalers who want assignment and novation rights in one contract
New investors who need a starting point to bring to an attorney

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Frequently Asked Questions

What is a cash purchase agreement in real estate?

It is a contract to buy a property without a loan contingency, because the buyer is paying cash. It sets the price, earnest money, closing date, inspection period, and other terms. Cash deals often close faster because there is no lender approval.

How much earnest money should a cash buyer put down?

It varies by market and deal. Investors buying direct from sellers often put down less than retail buyers, while some sellers ask for more to show you are serious. The money is usually held by the title company or closing attorney.

Can a cash buyer back out of a purchase agreement?

It depends on the contract. This template includes an inspection period during which the buyer can cancel for any reason and get the earnest money back. After that period ends, backing out may cost the buyer their earnest money.