| Factor | Opendoor | Zoom Casa |
|---|---|---|
| Type | Direct purchase | Upfront advance + retail-listing waterfall |
| Upfront | 100% of offer price | 85% of appraised value |
| True-up | None | 100% of overage above reserve (after fees) |
| Service/base fee | 5% | 4.99% |
| Repair deduction | Yes (avg 1.5%) | None (third-party appraisal-based) |
| Carry cost | None | 0.75%/month, capped at 4.5% |
| Effective discount | 8-11% | 3-5% |
| Close speed | 10-14 days | First close 14-21 days; true-up 30-60 days later |
| Where it wins | Speed, single transaction | Net proceeds, transparency, seller control |
You need to close in under 3 weeks and a fast certain number matters more than maximizing dollars.
You can wait 30-60 days for the true-up. You want to net the maximum from your home. You're in one of the ~40 states Zoom Casa serves.
Most comparison content on the internet picks a winner because the writer is incentivized to push you toward one specific affiliate link. We're not. The real answer for most sellers is: get an offer from both, compare the actual numbers on your actual home, and then decide. Five minutes of effort can move your net proceeds by $10,000+.
If you want us to do the legwork — pull both programs (and a third we think you should also consider) on your specific home — request a match here. Free, no lead-selling, no pay-for-placement.
We'll run Opendoor, Zoom Casa, and one alternative side-by-side on your actual address. ~90 seconds.
Get Matched →