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Selling Land to Fund a Down Payment on a House
You found the house, or you are close, and the money for the down payment is tied up in a piece of land. Listing it could take months you do not have. We buy vacant land for cash, with no financing contingency, and set a closing date that fits your home purchase. Written offer within 24 hours.
- A firm closing date you can plan your purchase around
- Cash buyer — no loan to fall through on our side
- Settlement statement your lender can use
- No commission, no closing costs
- Written offer within 24 hours
- Close in as little as 14 to 30 days
★★★★★ 4.9 from 14 verified Google reviews — read them · we buy with our own capital and pay all closing costs
Get a cash offer on your land
Written offer within 24 hours. No fee, no obligation, and we pay the closing costs.
Prefer to talk? Call (855) 800-0177
Owners turning land into a home purchase
Why timing is the whole problem
Buying a house runs on deadlines: the offer, the inspection window, loan approval and the closing date. Selling vacant land on the open market does not. Land commonly takes months to sell, and a financed land buyer can back out late in the process. If your down payment depends on that sale, the house you want can be gone before the land money arrives.
Some buyers try to bridge the gap with a loan against the land or a sale-contingent offer on the house. Both can work, but a contingent offer is weaker in a competitive market, and borrowing against raw land is harder than borrowing against a home. A direct cash sale on a date you choose is often the simpler route.
Because we buy with our own capital, the closing date we agree on is not waiting on anyone’s bank. You can tell your agent and your lender exactly when the funds will be there.
Working with your lender and your taxes
Mortgage lenders usually want to see where a down payment came from. Proceeds from selling land you own are a common and acceptable source; lenders typically ask for the settlement statement and a record of the deposit. Ask your loan officer what they need before you close, and we will make sure the paperwork matches.
If you made a profit on the land, it is generally taxable. Land held more than a year is usually taxed at long-term capital gains rates. A 1031 exchange is for investment property, so it generally does not apply when the proceeds go toward a home you will live in. Your tax advisor can tell you what to set aside.
This page is general information, not tax or lending advice. What we provide is a clear written price, a firm date and clean closing documents.
What home buyers selling land ask us for
A date you can count on
We agree on a closing date and meet it. No financing contingency.
Lender-ready paperwork
A settlement statement that documents where your down payment came from.
No commission
More of the sale goes into your new home. We pay closing costs.
As-is
No survey, clearing or perc test needed before we buy.
Remote signing
Sign by mobile notary, even if the land is in another state.
No obligation
The research and the offer are free.
Selling land for a down payment, step by step
Three steps, no obligation at any point, and no cost to you at any stage.
One call or one form
Tell us the address or APN and the rough size. You do not need a survey, a plat or the tax bill in front of you — we look all of that up.
We value it properly
We research the parcel ourselves, at our cost, before we quote. We price it off recent sales of similar acreage and adjust for access, soil, flood mapping, timber and shape. No cost to you, no commitment.
Written offer, your decision
You have our number in writing within 24 hours. If you take it, a licensed title company closes it and we cover the standard closing costs — typically 14 to 30 days.
Selling to us vs. listing it
Both are legitimate. Listing can bring a higher gross price if you have time, the tract is easy to finance and you can carry the taxes while it sits. Here is the honest comparison.
| Selling to Dreamify | Listing with an agent | |
|---|---|---|
| Who you are dealing with | A direct cash buyer — we are the ones purchasing | An agent marketing it to someone else |
| Commission | None | Typically 6–10% on land |
| Closing costs | We cover them | Usually split or seller-paid |
| Repairs, survey, clean-up | Not your problem | Often requested by retail buyers |
| Financing risk | None — cash | Land loans fall through often |
| Timeline | As little as 14 to 30 days once title work is back | Land can sit on the market for months |
Land we buy
Land we buy
- Vacant, raw and bare land
- Inherited and heir property, including multiple owners
- Land with back taxes or a delinquent tax bill
- Out-of-state and absentee-owned parcels
- Farm, timber and hunting acreage
- Small residential lots and infill parcels
- Landlocked tracts and parcels with access questions
- Land that failed a perc test
- Tracts tied up in an estate or probate
- Property you inherited and have never seen
- Mobile home parks and RV parks
- Self-storage facilities — considered case by case
What we don’t buy
- Houses and other residential buildings
- Land you do not have the authority to sell
- Parcels where a co-owner has not agreed to sell
- Property already under contract with someone else
If we are not the right buyer for your parcel we will say so on the first call rather than waste your time.
We buy with our own money — here is what we have closed
We are a principal buyer using our own capital, not a lead broker collecting details to sell on. A sample of tracts we have bought and closed:
| Tract | Where we closed it |
|---|---|
| 8.5 acres | Pike County, Mississippi |
| 5.05 acres | Dawson County, Georgia |
| 32.3 acres | Perquimans County, North Carolina |
| 72 acres | Pike County, Mississippi |
| 10.7 acres | Morgan County, Georgia |
| 6.24 acres | Jasper County, Georgia |
A sample of tracts we have bought and closed ourselves. We are a principal buyer, not a broker — every one of these was purchased with our own funds through a licensed closing agent.
What sellers say
Every quote below is a real, verified Google review of Dreamify Properties — 4.9 stars across 14 reviews.
“John, the ops manager, was very professional and attentive to detail in ensuring that our transaction was successfully completed. The communication, updates and follow up was excellent. Highly recommend.”
“Dreamify made a fair offer on our property in Alabama… Over the past couple years I’ve had a hundred texts and phone calls from land companies wanting to buy — from low-balling to wanting to put you under contract for 6 months and walk away on the last day. Dreamify followed through on every part of the deal.”
Questions we get asked
Can I use money from selling land as a down payment?
Generally, yes. Lenders usually ask for the settlement statement and proof of the deposit. Check with your loan officer first.
Can you close before my house closing?
Tell us your home closing date and we will plan our closing ahead of it.
Will I owe tax on the land sale?
Possibly, on any profit. Land held over a year is usually taxed at long-term rates. Ask your tax advisor.
Can I do a 1031 exchange into my new home?
Generally no. A 1031 exchange is for investment or business property, not a home you live in.
How fast can you close?
We give a written offer within 24 hours and can close in as little as 14 to 30 days. If your timeline is longer, we close on the date that suits you.
What does it cost me to sell to you?
Nothing. No commission, no closing costs, no document fees. We buy with our own capital and pay the closing costs ourselves.
Other situations we buy in
Sell land fast for cashHow much is my land worth
Sell land when relocating
Where we buy
Sell land in North CarolinaSell land in South Carolina
Sell land in Virginia
Find out what your land to fund your down payment is worth to a cash buyer
Send the parcel details and we’ll research the property, answer your questions, and put a clear no-obligation offer in writing within 24 hours.
Life changes — more guides for sellers
Divorce, a move, a loss in the family, care costs, retirement or a parcel that turned into a headache. Whatever is behind the decision to sell, here is how we handle it.
- Divorce
- Relocating
- Loss of a spouse
- Paying off debt
- Bankruptcy
- Bought sight unseen
- Squatters or dumping
- Code violations
- Land that won't sell
- Buyer backed out
- Co-owner
- Owned by an LLC
- Nursing home costs
- Medical bills
- Job loss
- Retirement
- Storm damage
- Never built on
- Old mobile home on it
- Sell or leave to kids
- Power of attorney
- Paying for college
- Farm or hunting lease