Selling · Pay at Close

Prep your home now. Pay for it when it sells.

Repairs, painting, flooring, landscaping, and other pre-listing updates — funded up front with no money out of pocket, repaid automatically from your sale proceeds at closing.

The Problem

The homes that sell for the most are the ones that are ready

A fresh coat of paint, a repaired deck, a cleaned-up yard — small updates can make a real difference in how a home shows and what it sells for. But most sellers don't want to spend money on a house they're about to leave, especially before they've seen a single offer. Pay at close removes that trade-off.

How It Works

Prep now, settle up at the closing table

Apply Online

A quick application gives you a custom rate — approval typically comes back in seconds.

Get It Done

Use approved funds to pay contractors, painters, cleaners, and other vendors for pre-listing prep.

List Your Home

We market and list your home the same way we always do — nothing about our process changes.

Repay at Closing

When your home sells, the balance is paid directly out of your proceeds at the closing table. No invoices to track, no separate payment to make.

What It Can Cover

Common pre-listing prep costs

Pay at close is built for the kind of work that gets a home market-ready — not for services we already provide as part of listing with us, like photography and marketing.

Repairs & Maintenance

Deferred maintenance, small fixes, and anything flagged during a pre-listing walkthrough.

Painting & Flooring

Fresh paint and flooring updates are some of the highest-ROI improvements a seller can make.

Landscaping & Curb Appeal

First impressions start at the curb — lawn care, cleanup, and exterior touch-ups.

Cleaning & Decluttering

Deep cleaning, junk removal, and storage costs to get a home fully show-ready.

Physical Staging

Furniture rental and physical staging costs where they make sense for the property.

Minor Renovations

Small, targeted updates — fixtures, hardware, and cosmetic improvements that move the needle.

Why It Works

The numbers, plainly

0%

Rates starting at 0% — many sellers qualify for zero fees.

$0

Nothing due out of pocket before you list.

Seconds

Most applications are approved in seconds, not days.

6 mo.

If your home hasn't sold by then, flexible repayment terms kick in — no surprise bill.

Questions

Frequently asked questions

Who actually provides the funding?

Pay at close financing is provided by Titus Lending, LLC, a licensed consumer lender — not Staircase Partners or Samson Properties. We share this option with our sellers because we think it's a useful tool, but the loan agreement, terms, and approval decision are entirely between you and Titus. Loan eligibility is not guaranteed and is subject to credit approval and underwriting.

What if my home doesn't sell right away?

If your home hasn't sold within six months, Titus offers flexible repayment plans rather than demanding immediate payment in full.

Does this cost anything if I don't use it?

No. There's no cost or obligation to learn more or apply. You only take on a repayment obligation if you're approved and choose to use the funds.

Does this affect the price we list at or how you market my home?

No. Our approach to pricing, photography, and marketing your home stays exactly the same whether or not you use pay at close — it's simply a way to fund prep work without paying out of pocket up front.

How do I get started?

Reach out to us and we'll walk you through whether pay at close makes sense for your situation and timeline.

Want to talk through your options?

We'll help you figure out what prep makes sense and whether pay at close is a fit — no pressure, just information.