What Happens at Closing With a Flat-Fee Sale in Florida

3 min read · Last updated 2026-08-03 · Reviewed by Joseph Mena, CFO of Cash Flow Deals. · Reviewed by Camilo Palacio, Licensed Florida Real Estate Professional (License #3280644, REALTOR®)

You choose between the Fast Cash Offer, where we buy your house as-is and close, and the Premium Cash Offer, where a pre-approved FHA or conventional buyer we already have, ready to go, pays more and buys directly from you. With the Premium Cash Offer, the buyer's lender funds the purchase, title moves once from you to the buyer, and Cash Flow Deals' fee appears as its own line on the settlement statement.

Factor	Traditional Listing	Cash Flow Deals
Timeline	Closing scheduled once a buyer is found, then delayed by financing contingencies, typically 30-60+ days from listing to closing.	You choose the Fast Cash Offer, where we buy as-is and close, or the Premium Cash Offer, where your buyer's FHA or conventional loan approval determines closing timing, typically 30-45 business days. The number is agreed before any work starts, and it changes only if you agree. The one exception: if something structural surfaces that was not visible or disclosed before we signed — foundation issues, hidden moisture, old wiring, cast-iron drain failure — we re-cost it and bring the number back to you. You decide. You can walk away. We disclose what we know at offer time so this almost never happens.
Repairs	Repairs usually negotiated after the buyer's inspection, sometimes as credits or price cuts at closing.	With either the Fast Cash Offer or the Premium Cash Offer, the number is agreed before any work starts, and it changes only if you agree. The one exception: if something structural surfaces that was not visible or disclosed before we signed — foundation issues, hidden moisture, old wiring, cast-iron drain failure — we re-cost it and bring the number back to you. You decide. You can walk away. We disclose what we know at offer time so this almost never happens.
Fees / Costs	Negotiable listing and buyer-agent commission (per the NAR Sitzer/Burnett settlement, effective August 17, 2024) plus standard closing costs.	Premium Cash Offer: Cash Flow Deals is paid as a separate line item on the closing statement, separate from the sale price. Fast Cash Offer: no listing commission to Cash Flow Deals.

What Cash Flow Deals Actually Is at the Closing Table

With Cash Flow Deals, you choose the Fast Cash Offer, where we buy your house as-is and close, or the Premium Cash Offer, where a pre-approved FHA or conventional buyer we already have, ready to go, pays more and buys directly from you. On Premium, your home may be listed through Silver Door Realty, a licensed Florida brokerage, with a licensed agent and scheduled showings. You sign with us at an agreed number and authorize us to bring in a buyer in our place. That buyer signs a new contract directly with you, their lender funds the purchase, and the deed moves directly from you to them. Cash Flow Deals is paid as a separate line item on the closing statement.

Cash Flow Deals' Process From Signing to Settlement

Cash Flow Deals' Process: 1. Request your walkthrough and compare the Fast Cash Offer with the Premium Cash Offer; you choose. 2. The number is agreed before any work starts, and it changes only if you agree. The one exception: if something structural surfaces that was not visible or disclosed before we signed — foundation issues, hidden moisture, old wiring, cast-iron drain failure — we re-cost it and bring the number back to you. You decide. You can walk away. We disclose what we know at offer time so this almost never happens. 3. With Premium, a pre-approved FHA or conventional buyer we already have, ready to go, buys directly from you, and their lender orders the appraisal and underwriting. We cover repair costs, and we figure out a way, so nothing comes out of your pocket. Only what the buyer's lender requires gets fixed, with costs settled from the sale proceeds from our share. With Fast Cash, we buy as-is, with no repairs for you to make. 4. The closing agent builds the settlement statement, with Cash Flow Deals' fee on Premium listed as its own line item. 5. You sign the closing documents, title transfers to your chosen offer's buyer, and your proceeds are wired to your account.

Who Else Shows Up to Closing

A financed sale in Florida runs through a licensed closing agent, usually a title company or real estate attorney's office. Expect the seller, the buyer, a notary, and paperwork from the buyer's mortgage lender. Cash Flow Deals doesn't add an extra signer or an extra transfer to that list. Because title only moves once, from seller to buyer, the room looks the same as any other financed closing in Florida, just with a different name funding the deal on the buyer's side and a separate fee line for Cash Flow Deals.

What the Closing Disclosure and Settlement Statement Show

Federal rules under the Truth in Lending Act and RESPA require a buyer's mortgage lender to deliver a Closing Disclosure at least 3 business days before the loan closes, spelling out the buyer's final loan terms and costs. On your side, the settlement statement lists the sale price, any mortgage payoff, prorated taxes, and, on Premium, Cash Flow Deals' fee as its own line item. Amounts owed are paid first from the sale proceeds, then you receive your agreed number, and we are paid last from what remains. On Premium, repair costs, commissions and closing costs come from our share, so nothing comes out of your pocket. The number is agreed before any work starts, and it changes only if you agree. The one exception: if something structural surfaces that was not visible or disclosed before we signed — foundation issues, hidden moisture, old wiring, cast-iron drain failure — we re-cost it and bring the number back to you. You decide. You can walk away. We disclose what we know at offer time so this almost never happens.

How Your Agreed Number Works at Closing

For either offer, the number is agreed before any work starts, and it changes only if you agree. The one exception: if something structural surfaces that was not visible or disclosed before we signed — foundation issues, hidden moisture, old wiring, cast-iron drain failure — we re-cost it and bring the number back to you. You decide. You can walk away. We disclose what we know at offer time so this almost never happens. With the Premium Cash Offer, if the buyer's loan falls through, that is our problem, not yours, and you can still take the Fast Cash Offer at its own number. You choose whether to proceed.

Common questions

Do I need a real estate attorney at my Florida closing?

Florida doesn't require a buyer or seller to hire an attorney for a residential closing, most sales close through a title company. You're still allowed to hire one for your own review, and for anything unusual in your contract, confirming the terms with a Florida licensed real estate attorney before you sign is worth the cost.

How long does closing take after I sign with Cash Flow Deals?

Closing timing follows the buyer's FHA or conventional loan approval, since that lender is the one funding the purchase. Financed closings in Florida typically run 30 to 45 days from a signed contract to a funded closing, depending on the buyer's underwriting.

Does the deed transfer more than once?

No. The deed transfers once, directly from the seller to the real homebuyer. Cash Flow Deals never takes title at any point in the process.

Who pays closing costs in a flat-fee sale?

Standard Florida closing costs, like title insurance, documentary stamp tax, and recording fees, get split the same way they would in a traditional sale unless the contract says otherwise. Cash Flow Deals' fee shows up as its own separate line on the settlement statement.

What happens if the buyer's loan falls through?

That risk exists in any financed sale, not just this one. Cash Flow Deals connects the file with a real FHA or conventional buyer whose own lender underwrites the loan, so approval depends on that lender clearing the buyer, the same as it would with a traditional listing.