| Factor | Zoom Casa | HomeLight |
|---|---|---|
| Type | Cash Offer Plus (waterfall) | Cash Offer Plus (firm advance) |
| Upfront | 85% of appraised | 70% of appraised (firm) |
| Waterfall share | 100% to seller | Split 80/20 above reserve |
| Base fee | 4.99% | 6.5% |
| Listing control | Seller's agent | Seller's agent |
| States | ~40 | 42 |
| Carry | 0.75%/month | Included in base fee |
| Effective discount | 3-5% | 4-7% |
| Where it wins | Maximum net in a healthy market | Predictability, simpler structure |
You're in a strong local market, you trust the appraisal will come in close to retail.
You want a firm number day one. Your local market is soft or seasonal.
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 Zoom Casa, HomeLight, and one alternative side-by-side on your actual address. ~90 seconds.
Get Matched →