Who Pays for Repairs When You Sell As-Is in Florida?

4 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®)

Usually you bear repair costs through the sale price or credits, even if you do not arrange the work yourself. Selling as-is means you are not obligated to fix anything before closing, but a buyer can still ask for a price cut or credit. With Cash Flow Deals, 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. We cover repair costs, and we figure out a way, so nothing comes out of your pocket. On Premium, only what your buyer's lender requires gets fixed, with those costs settled from the sale proceeds from our share; with Fast Cash, you make no repairs. Redfin's Q1 2025 data found 44.4% of U.S. home sales included seller concessions, up from 39.3% a year earlier.

Factor	Traditional Listing	Cash Flow Deals
Timeline	A buyer can still ask for a credit or price cut during the inspection period, and negotiating that can take days even though no repairs are physically completed.	The net price already accounts for condition at offer time, so there's no separate repair-credit negotiation after signing.
Repairs	Seller isn't required to make repairs, but 44.4% of U.S. sales in Q1 2025 included some form of seller concession toward repairs, closing costs, or a rate buydown, per Redfin, and FHA loans cap concessions at 6% of price while conventional caps run 3% to 9% depending on down payment.	You choose the Fast Cash Offer, where we buy as-is and close, or the Premium Cash Offer, where your buyer buys directly from you and only lender-required repairs get fixed. We cover repair costs, and we figure out a way, so nothing comes out of your pocket; Premium repair costs are settled from the sale proceeds from our share. 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	Seller pays any negotiated concession on top of a negotiable listing commission.	Cash Flow Deals' fee is a fixed line item on the closing statement through Silver Door Realty, separate from any concession math.

'As-Is' Doesn't Mean 'No Negotiation'

Selling as-is in Florida means the seller has agreed not to make repairs during the contract. It does not mean the buyer has agreed to accept the house at the original price no matter what the inspection turns up. Under the FAR/BAR As-Is Residential Contract, the buyer still gets an inspection period, typically 15 days by default, during which they can cancel for any reason and get their deposit back, or come back asking for a lower price instead of a repair. That distinction is where most of the confusion about who pays lives: as-is protects the seller from being forced into a specific repair, it doesn't protect the seller from the price moving.

How Much Sellers Are Actually Giving Up in Concessions

Redfin's analysis of home sales found that 44.4% of U.S. transactions in the first quarter of 2025 included a seller concession, up from 39.3% a year earlier and just below the 45.1% record set in early 2023. A concession is recorded when the seller provides something that lowers the buyer's total cost, money toward repairs, closing costs, or a mortgage-rate buydown. Those concessions aren't unlimited. FHA loans cap seller concessions at 6% of the purchase price. Conventional loans, per Fannie Mae and Freddie Mac guidelines, scale the cap with the buyer's down payment: 3% if the buyer puts down less than 10%, 6% for 10% to 25% down, and 9% above 25% down. A seller technically paying nothing toward physical repairs on an as-is sale can still be handing over thousands of dollars through this route.

Where Cash Flow Deals Fits Into This

With Cash Flow Deals, you choose between the Fast Cash Offer and the Premium Cash Offer. With Fast Cash, we buy your house as-is and close. With Premium, a pre-approved FHA or conventional buyer we already have, ready to go, pays more and buys directly from you. Your home may be listed through Silver Door Realty, a licensed Florida brokerage, with a licensed agent and scheduled showings. You give us permission to bring in a buyer in our place; that buyer signs a new contract directly with you, and title transfers directly from you to them. We are paid as a separate line item on the closing statement. We cover repair costs, and we figure out a way, so nothing comes out of your pocket. On Premium, only what your buyer's lender requires gets fixed, and repair costs are settled from the sale proceeds from our share, not your number. With Fast Cash, you make no repairs. 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. If your buyer's loan falls through, that is our problem, not yours, and you can still take the Fast Cash Offer at its own number alongside your Premium Cash Offer choice.

Cash Flow Deals' Process for Avoiding the Concession Negotiation

Cash Flow Deals' Process: 1. Cash Flow Deals sets a net price for the seller based on the property's condition at offer time, before any repair or concession conversation starts. 2. Cash Flow Deals puts that number in writing so the seller knows what they're walking away with. 3. Cash Flow Deals connects the property with a real FHA or conventional buyer whose own lender funds the purchase, with no seller-side concession negotiation required. 4. Title transfers once, directly from seller to buyer, at the number the seller already approved.

What This Means for a Seller Comparing Their Options

An as-is listing keeps a seller out of a specific repair job, but it doesn't keep them out of a price or credit negotiation, and Redfin's data shows that negotiation lands on close to half of all sellers nationally. A seller weighing that against Cash Flow Deals is really weighing a number that could still move against one that's set before the negotiation phase even opens. Both paths still follow the same Florida rule on disclosure: a seller has to be honest about what they actually knew, as-is clause or not.

Common questions

Does selling as-is mean I pay nothing toward repairs?

It means you're not obligated to make repairs. It doesn't mean a buyer can't ask for a price cut or a closing credit instead, which is functionally the same cost to you as a seller.

What's a seller concession and how much does it usually cost?

A seller concession is money or credit the seller gives the buyer toward repairs, closing costs, or a rate buydown. Redfin found 44.4% of U.S. home sales in Q1 2025 included one, and loan programs cap them at 6% of price for FHA and 3% to 9% for conventional, depending on down payment.

Can a buyer still ask for repairs on an as-is contract?

A buyer can ask, but the seller isn't obligated to agree under a Florida as-is contract. The buyer's real power is the inspection period, during which they can cancel and get their deposit back if the seller won't negotiate.

How is Cash Flow Deals different from a regular as-is sale?

A regular as-is sale still leaves your price open to negotiation during the inspection period. With Cash Flow Deals, 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. 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.