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Cash home buyers in New York
ClearEdge Home Buyers buys houses for cash in New York City, Long Island, Westchester and the Hudson Valley. We call back within about five minutes, 24/7, get an offer to you within 24 hours, and can close in as few as 7 days.
We buy as-is: no repairs, no cleanouts, no agent, no commissions and no fees, and we pay the traditional closing costs. The close is guaranteed, with no renegotiating. We're family-owned, and our office is in Astoria, Queens.
- Google rating
- on Google
- Homes bought since 2016
- Homes Bought
- Average time to close
- to Close
Where we buy in New York
We buy in Bronx, Brooklyn (Kings), Columbia County, Dutchess County, Greene County, Long Island, Manhattan (New York), Nassau County, New York City, Orange County, Putnam County, Queens, Rockland County, Staten Island (Richmond), Suffolk County, Sullivan County, Ulster County and Westchester County.
Who handles probate here
Surrogate's Court. Every county in New York State has one. It hears the probate of wills and the administration of estates, and the case is filed in the county where the person who died lived.
Transfer tax when you sell
New York State charges a real estate transfer tax of $2 for every $500 of the sale price (0.4%). The seller pays it unless the contract says otherwise; if the seller doesn't pay or is exempt, the buyer must. Buyers pay the separate 1% mansion tax on homes of $1 million or more. New York City adds its own transfer tax on top, listed below.
Source: Real estate transfer tax
New York rules that change what you keep
For deaths in 2026, New York's estate tax exclusion (the basic exclusion amount) is $7,350,000.
Source: Estate tax · checked 2026-09-30
New York's estate tax has a cliff: if the taxable estate is more than 105% of the exclusion amount, no exclusion credit is allowed at all, so the whole taxable estate is taxed.
Source: New York Tax Law § 952 (estate tax credit and basic exclusion amount) · checked 2026-09-30
The estate of an owner who lived outside New York must file a New York estate tax return if it includes New York real estate and the estate plus includible gifts is over the exclusion amount.
Source: Estate tax · checked 2026-09-30
New York City has a Surrogate's Court in each of its five counties: Bronx, Kings (Brooklyn), New York (Manhattan), Queens and Richmond (Staten Island).
Source: New York City Courts (Surrogate's Court) · checked 2026-09-30
When there is a will, the executor files it with a probate petition in the Surrogate's Court of the county where the person who died lived, and the court appoints the executor to settle the estate.
Source: Probate - When a Person Dies with a Will · checked 2026-09-30
When there is no will, the Surrogate's Court issues Letters of Administration to an heir, giving them authority to gather and distribute the property.
Source: Administration - When a Person Dies with No Will · checked 2026-09-30
If a house was the only asset, an administration case may not be needed, depending on who survives: New York law grants real property to the heirs at the time of death.
Source: Administration - When a Person Dies with No Will · checked 2026-09-30
Buyers, not sellers, pay New York State's 1% mansion tax on homes that sell for $1 million or more.
Source: Real estate transfer tax · checked 2026-09-30
In New York City the state adds two taxes on high-priced homes: an extra $1.25 per $500 paid by the seller when a home sells for $3 million or more, and a supplemental tax of 0.25% to 2.9% paid by the buyer at $2 million or more.
Source: Real estate transfer tax · checked 2026-09-30
For its transfer tax, New York State counts a co-op apartment as residential property, along with one-, two- and three-family houses and condo units.
Source: Real estate transfer tax · checked 2026-09-30
Sellers who don't live in New York must figure the gain on the sale, including the sale of a co-op unit, and pay any estimated New York income tax due when the transfer tax return is filed, unless an exemption applies.
Source: Real estate transfer tax · checked 2026-09-30
New York City's Real Property Transfer Tax on a one-to-three-family house, condo unit or co-op apartment is 1% of the price up to $500,000 and 1.425% above $500,000. It also applies to transfers of co-op shares, and the return is due within 30 days of the transfer.
Source: Real Property Transfer Tax (RPTT) · checked 2026-09-30
Under the NYC Administrative Code, the seller (grantor) pays the RPTT; the buyer becomes liable only if the seller doesn't pay or is exempt.
Source: Matter of H-Run Realty Corp., Determination TAT(H)09-6(RP), quoting NYC Admin. Code § 11-2104 · checked 2026-09-30
On the East End, a 2% Peconic Bay Community Preservation Fund tax is collected on sales in East Hampton, Riverhead, Shelter Island, Southampton and Southold, paid to the Suffolk County Clerk.
Source: Peconic Bay Region Community Preservation Fund (transfer tax form) · checked 2026-09-30
The buyer pays the Peconic Bay transfer tax.
Source: New York Tax Law § 1449-dd (liability for Peconic Bay transfer tax) · checked 2026-09-30
State law also lets each Peconic Bay town add a supplemental 0.5% transfer tax for a community housing fund, approved by referendum.
Source: New York Tax Law § 1449-bb (Peconic Bay transfer tax) · checked 2026-09-30
A co-op owner doesn't hold a deed: they own shares in a corporation allocated to their apartment, which come with a long-term proprietary lease.
Source: Cooperatives · checked 2026-09-30
In New York City, a 2026 law requires co-ops with 10 or more units to tell a buyer, within 45 days of a complete application, whether the board approves the sale, approves it with conditions, or denies it.
Source: Local Law 58 of 2026 (Int. 1120-B): timelines for co-ops to approve or deny sales · checked 2026-09-30
Sellers of one-to-four-family houses must complete and sign a Property Condition Disclosure Statement and deliver it to the buyer before the buyer signs a binding contract.
Source: New York Real Property Law § 462 (property condition disclosure statement) · checked 2026-09-30
The disclosure rule covers one-to-four-family houses, not co-op apartments or condo units.
Source: New York Real Property Law § 461 (definitions) · checked 2026-09-30
A sale by an executor or administrator in the course of settling an estate is exempt from the disclosure rule, as are court-ordered transfers and foreclosure sales.
Source: New York Real Property Law § 463 (exemptions) · checked 2026-09-30
In New York, foreclosure is a lawsuit: the mortgage holder asks a court to let it sell the house at auction to pay off the debt.
Source: Foreclosures · checked 2026-09-30
The court sets a settlement conference within the first two months after the lender files proof of service. Options discussed there include paying over time, changing the loan terms, a short sale or a deed in lieu of foreclosure.
Source: Foreclosure Settlement Conferences · checked 2026-09-30
Situations we help with in New York
- Inherited Property
- Foreclosure
- Divorce
- Tired Landlord
- Vacant Property
- Job Relocation
What sellers say about working with us
on Google · 10 reviews · as of Sep 28, 2026
Rita CoraciInherited property with sister · Google review
Jewel ParagoDifficult personal situation · Google review
Matt BuckleyReal estate professional, multiple transactions · Google review
How selling your New York house to us works
- Tell us about the house. Fill in the form or call (610) 904-8526. We call back within about five minutes, any hour, any day.
- Get a cash offer within 24 hours. We'll explain and show you how we arrived at our number. If listing would put more money in your pocket, we'll tell you.
- Choose your closing date. We can close in as few as 7 days, or later if you need more time. The close is guaranteed, and we don't renegotiate.
- Leave what you don't want. No repairs, no cleaning, no showings. We take care of what's left behind.
The full process is on our how it works page.
Cash sale, listing or another route in New York
Listing with an agent
- You pay a commission, and you usually get the house ready for showings.
- The buyer's mortgage approval, appraisal and inspection can slow the sale down or end it.
- For a one-to-four-family house, you must give the buyer a signed Property Condition Disclosure Statement before they sign the contract.
- For a co-op, the board has to approve your buyer.
Selling to ClearEdge for cash
- As-is: no repairs, no cleanouts, no agent, no commissions, no fees.
- We pay the traditional closing costs.
- We pay cash, so there's no loan approval to wait on. The close is guaranteed.
- Close in as few as 7 days, on the date you choose.
Other routes
- We offer creative options case by case when a straight cash sale isn't the right fit.
- In a foreclosure case, the court's settlement conference is where payment plans, new loan terms, short sales and deeds in lieu get discussed.
- Sometimes listing is the better move. We've referred sellers to an agent when that was best for them.
Transfer taxes apply to every sale. The seller normally pays the state tax and, in New York City, the city's Real Property Transfer Tax as well. Buyers pay the mansion tax, and the Peconic Bay tax on the East End. The rates are listed above.
Selling a house after someone dies
In New York, the Surrogate's Court handles estates, and the case is filed in the county where the person lived.
- With a will: the executor files for probate, and the court appoints them to settle the estate.
- Without a will: the court issues Letters of Administration to an heir, giving them authority over the property.
- If the house was the only asset: New York law grants real estate to the heirs at death, so an administration case may not be needed, depending on who survives.
We can talk and make an offer at any stage. The sale closes once the right person can sign. If you live out of state, we handle the cleanout and whatever is left in the house.
Two tax points for estates. New York's estate tax only applies to estates over $7,350,000 for deaths in 2026, and it has a cliff just past that line. And sellers who live outside New York pay any estimated state income tax on the gain when the transfer tax return is filed, unless an exemption applies.
Co-op or house? It changes the sale
A house sells by deed. A co-op doesn't. The owner holds shares in a corporation, and the shares come with a long-term proprietary lease on the apartment.
- The board approves the buyer. In New York City, a 2026 law gives co-ops with 10 or more units 45 days after a complete application to approve the sale, attach conditions or deny it.
- No state disclosure form. The Property Condition Disclosure Statement doesn't apply to co-op or condo units.
- Transfer taxes still apply. New York State counts a co-op apartment as residential property for its transfer tax, and New York City's tax covers transfers of co-op shares.
Selling a co-op? Tell us on the first call. We'll tell you straight what can work in your building.
Behind on the mortgage?
In New York, foreclosure is a lawsuit. The lender asks a court for permission to sell the house at auction. After the lender files proof it served you, the court sets a settlement conference within the first two months. There, you, the lender and the court talk through options such as paying over time, changing the loan terms, a short sale or a deed in lieu.
A cash sale is another way out. If the house is worth more than you owe, the loan is paid off at closing and you keep what's left. Tell us your next court date and we'll work to it.
The extras we handle
We've done all of these for sellers, and we'll talk through what you need:
- Movers
- Cleanouts
- Temporary housing
- Taking over bills
- Letting you stay in the house for a while after closing
Who you're dealing with
Tyler Swenson started ClearEdge in 2016. We're family-owned, and we've bought 200+ homes since then across New York, New Jersey, Connecticut and Pennsylvania. We're rated 5.0 on Google.
Read more on our reviews page, or meet the team.
Selling a house in New York: common questions
Straight answers to what sellers here ask us most.
- We buy in all five boroughs of New York City, on Long Island (Nassau and Suffolk counties), and in Westchester and the Hudson Valley: Rockland, Orange, Putnam, Dutchess, Ulster, Sullivan, Columbia and Greene counties. If your house is somewhere else in the state, call (610) 904-8526 and ask.
- The seller normally pays New York State's transfer tax, which is $2 for every $500 of the price (0.4%). In New York City, the seller also pays the city's Real Property Transfer Tax: 1% on homes up to $500,000 and 1.425% above that. City homes of $3 million or more carry an extra state tax on the seller. Buyers pay the state's 1% mansion tax on homes of $1 million or more, the city's supplemental tax on homes of $2 million or more, and the Peconic Bay tax on the East End.
- Yes. For deaths in 2026, New York's estate tax exclusion is $7,350,000. If the taxable estate is more than 105% of that amount, the exclusion credit is lost entirely and the whole taxable estate is taxed. The estate of an owner who lived outside New York must still file a New York return if it includes New York real estate and is over the exclusion amount.
- Yes. The Surrogate's Court in the county where the owner lived appoints an executor (when there is a will) or an administrator (when there isn't), and that person signs the sale. We can make an offer before the court appoints anyone and set the closing for when they can sign. If the house was the only asset and there's no will, New York's courts note that an administration case may not be needed, depending on who survives.
- You can sell to us as-is, with no repairs and no cleaning. The Property Condition Disclosure Statement is a separate state rule: sellers of one-to-four-family houses must give the signed form to the buyer before the buyer signs the contract. It doesn't apply to co-op or condo units, and an executor or administrator selling in the course of settling an estate is exempt.
- We can make you an offer at any stage. In New York, foreclosure goes through the courts: the lender has to ask a court for permission to sell the house at auction. If the house is worth more than you owe, a cash sale pays off the loan at closing. Call (610) 904-8526 and tell us your next court date.
- Any co-op sale needs the board's approval, whether the buyer pays cash or not. In New York City, co-ops with 10 or more units must answer a complete application within 45 days. Tell us it's a co-op when we talk, and we'll tell you honestly what can work in your building, including whether listing is the better route.
- We call back within about five minutes, 24/7, and get an offer to you within 24 hours. We can close in as few as 7 days, or on a later date you choose. The close is guaranteed, and we don't renegotiate.
We're here to help. Call Tyler directly or reach out.
