Cash Flow Deals

Should You Accept a Home Sale Contingency in Texas?

Published by Cash Flow Deals · Last updated 2026-10-08

Rooftops of a suburban San Antonio, Texas neighborhood at sunset, with a water tower on the horizon
Photo: Jeff Le / Unsplash · Reviewed by Joseph Mena, CFO of Cash Flow Deals.

Accept a Texas home sale contingency only if the buyer's sale can pay them by the agreed date. If it doesn't, and they haven't waived it, the contract ends automatically under TREC form 10-6, and they get their earnest money back. Texas homes ran a median 66 days on the market in September 2026, per Realtor.com. If your timeline matters more, Cash Flow Deals gives you two choices: the Fast Cash Offer, where we buy your house as-is and close, with 15 business days of inspection, or the higher Premium Cash Offer, where a pre-approved FHA or conventional buyer we already have, ready to go, pays more and buys directly from you. You choose.

Accept a home sale contingencyFast Cash OfferPremium Cash Offer
Who buysA buyer who can't buy until their own house sells and closesCash Flow Deals buys the house as-isA pre-approved FHA or conventional buyer we already have, ready to go, who pays more and buys directly from you
What your closing waits onThe buyer getting paid from their own sale, or waiving the contingency, by the Paragraph A date in TREC form 10-6. If neither happens, the contract terminates automaticallyOur written offer and 15 business days of inspectionA real buyer signing a new contract directly with you, and their lender funding it
Listing and showingsForm 10-6 doesn't address them; its Paragraph B covers accepting another written offerNo listing. One walk-through by our teamA pre-approved FHA or conventional buyer we already have buys directly from you
Closing dateSet in Paragraph 9 of your contract; the Paragraph A date should be no later than it45 days or less, on a date you help pick45 days or less, on a date you help pick
If financing falls throughYour contract's financing terms decide what happens; form 10-6 covers only the buyer's own saleNot applicable: we're the buyerYou can still take the Fast Cash Offer
FeesSet by your listing agreement and contractNo listing commission to Cash Flow DealsCash Flow Deals is paid as a separate line item on the closing statement

Find Out Where the Buyer's Sale Stands Before You Say Yes

Before you accept a home sale contingency, find out how far along the buyer's own sale is. TREC form 10-6, the Texas Real Estate Commission's addendum for this, ties your contract to the buyer getting paid from that sale. A signed contract on their house isn't enough.

Texas listings spent a median of 66 days on the market in September 2026, by Realtor.com's count, published on FRED.

September 2025 ran a day longer, at 67, the most for any September since Realtor.com's Texas series began in July 2016. Back in September 2021, the median was 41. The catch: Realtor.com starts counting on the list date, and depending on its data, the count can stop at the pending date, before the sale closes.

Our view: the days that count run from their list date to their sold date, and the Texas trend belongs in your decision. Ask when their house was listed and whether it's under contract. If it's drawn no interest, we'd take that as a price set too high next to the homes buyers actually want, and your sale would sit until that price comes down.

Set the Dates and the Deposit in TREC Form 10-6

If you accept a buyer's home sale contingency, decide what goes in the blanks of TREC form 10-6, the Texas Real Estate Commission's Addendum for Sale of Other Property by Buyer. TREC's form page lists it as effective 12/05/2011, and Paragraph 22 of form 20-19, the commission's resale contract in effect since 07/01/2026, names it among the addenda.

Under Paragraph A of TREC form 10-6, if the buyer's home sale contingency isn't satisfied or waived by the date written in, the contract terminates automatically and the earnest money is refunded to the buyer.

1. The date, Paragraph A: the form's notice says it should be no later than the closing date in Paragraph 9 of your contract.

2. The waiver window, Paragraph B: if you accept a written offer to sell the house, you notify the buyer of that acceptance and that you require them to waive the contingency. They must waive it by the day you wrote in, counted from your notice, or the contract terminates automatically and their earnest money is refunded. The fewer days you write in, the sooner you know.

3. The extra deposit, Paragraph C: the buyer can waive only by notifying you and depositing the amount you wrote in with the escrow agent, as additional earnest money. Notices and waivers must be in writing.

Once a buyer waives, Paragraph D puts them in default if they fail to close and fund solely because their own sale didn't pay them, and you may use the remedies in Paragraph 15 of the contract. Paragraph E makes time of the essence and requires strict compliance with the times it sets.

Wait on the Buyer's Sale, or Help Pick Your Closing Date

Our view: when you sell, you may spend more time pursuing a higher price. A home sale contingency, written on TREC form 10-6, makes your closing wait on the buyer's own sale as well. If your own timeline counts for more, Cash Flow Deals puts the Fast Cash Offer and the Premium Cash Offer in front of you. The choice is yours, and you can take the time you need to understand it, whether your conversation lasts 10 to 15 minutes or longer.

With the Fast Cash Offer, our team walks through your house once, then Cash Flow Deals buys it as-is and closes. You have no repairs to make, and the inspection period is 15 business days. With the Premium Cash Offer, a pre-approved FHA or conventional buyer we already have, ready to go, pays more and buys directly from you. You first sign with us at a number you agree to and give us permission to bring that buyer in our place. That buyer signs a new contract directly with you, and their lender funds it. Title passes once, from you to them. On the closing statement, we're paid as a separate line item.

We cover repair costs, and we figure out a way, so nothing comes out of your pocket. On Premium, only what the buyer's lender requires gets fixed, with repair costs settled from the sale proceeds, from our share. With Fast Cash, we buy as-is. 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.

Our existing closing timeline is 45 days or less, and you help pick the date. Confirm the written schedule for the offer you choose before signing.

If the Premium 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 between the Fast Cash Offer and the Premium Cash Offer; taking Fast Cash means we buy your house as-is after our team's walk-through.

Common questions

Do Texas listings sit longer in January?

Longer than in April, by Realtor.com's count. Its Texas median was 79 days in January 2026, tied with January 2017 for the highest in the series, against 53 in April 2026. A year earlier, January ran 74 and April ran 50.

Does a 66-day median mean the buyer's house will sell in 66 days?

No. It's one statewide median for September 2026, so about half the Texas listings Realtor.com measured that month ran longer. Our view: the homes buyers are choosing near theirs tell you more.

What can I do if a buyer defaults under the Texas resale contract?

Paragraph 15 of TREC form 20-19, the Texas Real Estate Commission's resale contract, says you may enforce specific performance, seek other relief the law provides, or both. Or you may terminate the contract and receive the earnest money as liquidated damages, which releases both parties.

Do I have to commit before I read your two offers?

No. Nothing binds you until you and we both sign a written contract, and you're free to have an attorney read it first. Everyone named on the title is welcome on the call.

Keep reading

Related reading

What this means for your options

Every path to selling a house has real tradeoffs.

Wait and see

Keep the property as-is and hope conditions improve. The mortgage, insurance, and upkeep keep costing money while you wait, with no set date for things to turn around.

List with a traditional agent

Standard MLS listing, typically 5-6% in commission, and a financed buyer whose deal depends on appraisal, inspection, and lender approval — any of which can fall through after weeks on market.

Sell to Cash Flow Deals

Two offers for your house, Fast Cash or Premium Cash, and you choose. Cash: Cash Flow Deals buys the house as-is and closes. Premium: More money. A pre-approved FHA or conventional buyer we already have buys directly from you.

See your selling options before you decide anything.

Start with your address. Decide after you see the path.

No obligation. See what CFD can do first.