Of the four cash-offer structures, Cash Offer Plus delivers the highest average net proceeds. You get a large upfront closing — typically 70% to 85% of appraised value — and the program then lists the home through the MLS. Any overage above a stated floor is forwarded to you.
Three features set this category apart from the iBuyer model. First, the advance is sized to a published appraisal or valuation — not an algorithmic “offer” that becomes the sale price. Second, the program carries the listing risk after the first closing; you're already paid. Third, your agent represents you throughout, including on the retail listing that follows.
Read the PSA carefully: every program defines the “true-up” differently. Zoom Casa forwards 100% of overage above a stated reserve. QuickBuy keeps a share. HomeLight's firm 70% advance draws from a partner-agent listing channel. Knock Bridge Loan and Orchard also appear as bridge/trade-up products; we categorize them under Trade-Up rather than listing them as tracked Cash Offer Plus programs here.
| Program | Upfront | Waterfall share to seller | Primary fee | States | Rating | |
|---|---|---|---|---|---|---|
| Zoom Casa Cash Offer + | 85% | 100% above reserve | 4.99% | All 50 | 9.3 | Review |
| HomeLight Cash Offer | 70% | 100% − carry | 1% + agent comm. | ~26 | 6.8 | Review |
| Homeward (retail) | ~74% | Up to 100% − 7% cap | 7% of purchase price (min. $17,500) | 12 | 6.4 | Review |
The builder compares advance rate, fees, waterfall mechanics, and net proceeds on a sample transaction — swap in your number on the next step.
Open the builderProgram launches, PSA revisions, and the two rankings shifts we think are worth acting on. No affiliate offers, no spam.