{"id":16831,"date":"2026-08-26T11:05:34","date_gmt":"2026-08-26T11:05:34","guid":{"rendered":"https:\/\/koshalsambada.in\/?p=16831"},"modified":"2026-08-26T11:05:34","modified_gmt":"2026-08-26T11:05:34","slug":"us-housing-market-cash-buyers-dominated-the-us-housing-boom-now-financed-buyers-are-fighting-back","status":"publish","type":"post","link":"https:\/\/koshalsambada.in\/?p=16831","title":{"rendered":"Us Housing Market: Cash buyers dominated the US housing boom. Now financed buyers are fighting back"},"content":{"rendered":"<p><br \/>\n<\/p>\n<div>\n<div class=\"e9jwa\">\n<div class=\"vdo_embedd\">\n<div class=\"GfdvZ\">\n<section class=\"_bIDB  clearfix id-r-component leadmedia undefined undefined  E9tg9 \" style=\"top:0px\">\n<div class=\"_bIDB\" data-ua-type=\"1\" onclick=\"stpPgtnAndPrvntDefault(event)\">\n<div class=\"ypVvZ\">\n<div class=\"WGttI\"><img src=\"https:\/\/static.toiimg.com\/thumb\/msid-133538377,imgsize-121299,width-400,height-225,resizemode-4\/us-real-estate.jpg\" alt=\"Cash buyers dominated the US housing boom. Now financed buyers are fighting back\" title=\"Cash purchases have also declined faster than the overall housing market (representative image)\" decoding=\"async\" fetchpriority=\"high\"\/><\/div>\n<\/div>\n<\/div>\n<div class=\"Ta7d_ img_cptn\"><span title=\"Cash purchases have also declined faster than the overall housing market (representative image)\">Cash purchases have also declined faster than the overall housing market (representative image)<\/span><\/div>\n<\/section>\n<\/div><\/div>\n<\/div>\n<p>Cash is losing some of its advantage in the US housing market as home sales slow, inventory increases and price growth moderates, giving buyers relying on mortgages a better chance of competing.<span class=\"id-r-component br\" data-pos=\"2\"\/>The share of homes bought with cash fell to 31.4% in the first four months of 2026, from 32.3% during the same period a year earlier, according to Realtor.com data cited by CNBC.<span class=\"id-r-component br\" data-pos=\"4\"\/>Cash purchases have also declined faster than the overall housing market. Total home sales fell 8.5% year-on-year during the period, while the number of cash sales dropped 11.2%.<span class=\"id-r-component br\" data-pos=\"6\"\/>The shift comes as price growth has slowed sharply. The national median home price increased just 0.2% annually, compared with 1.8% growth in 2025 and a peak annual increase of 15.4% in 2021.<span class=\"id-r-component br\" data-pos=\"10\"\/>\u201cCash buyers aren\u2019t disappearing; they\u2019re simply becoming less dominant as the housing market finds its footing,\u201d Hannah Jones, senior economist at Realtor.com, said in a release.<span class=\"id-r-component br\" data-pos=\"12\"\/>\u201cMore inventory and moderating prices are giving financed buyers more opportunities to compete,\u201d she said, adding that cash continues to give sellers confidence that transactions can close quickly and with fewer surprises.<span class=\"id-r-component br\" data-pos=\"14\"\/><\/p>\n<p><h2><b>Cash buyers lose ground after years of dominance<\/b><\/h2>\n<\/p>\n<p><span class=\"id-r-component br\" data-pos=\"16\"\/>Cash had gained importance during the pandemic-era housing boom, when limited supply and intense bidding wars made cash offers particularly attractive. Its importance continued after interest rates rose.<span class=\"id-r-component br\" data-pos=\"20\"\/>But recent data indicate that trend is reversing.<span class=\"id-r-component br\" data-pos=\"22\"\/>According to a National Association of Realtors survey cited by CNBC, cash accounted for 26% of existing-home sales in July 2026, down from 31% in July 2025.<span class=\"id-r-component br\" data-pos=\"24\"\/>The decline has not been uniform across the country. Pittsburgh, Austin and San Francisco recorded increases in the share of transactions completed with cash compared with a year earlier.<span class=\"id-r-component br\" data-pos=\"27\"\/>In those markets, the rise was also accompanied by an increase in the actual number of cash purchases.<span class=\"id-r-component br\" data-pos=\"29\"\/><\/p>\n<p><h2><b>Financed buyers are winning competitive deals<\/b><\/h2>\n<\/p>\n<p><span class=\"id-r-component br\" data-pos=\"31\"\/>Dana Bull, a real estate agent in the Boston area, said she has seen fewer cash buyers even though the Boston market remains competitive.<span class=\"id-r-component br\" data-pos=\"33\"\/>\u201cThere was certainly a period of time when cash was king, which was right after interest rates climbed and aggressive bidding wars were commonplace. It\u2019s been tapering off,\u201d Bull said, as quoted by CNBC.<span class=\"id-r-component br\" data-pos=\"37\"\/>She said buyers are still waiving financing terms in some cases, while she recommends that clients in hotter neighbourhoods obtain pre-underwriting, rather than only pre-approval, to strengthen their offers against cash buyers.<span class=\"id-r-component br\" data-pos=\"39\"\/>Bull cited two recent examples in which financed buyers won competitive bidding situations.<span class=\"id-r-component br\" data-pos=\"41\"\/>\u201cI had a client win a bidding war against about 15 offers this spring (financed with pre-underwriting), and my team member just beat out 27 other offers on a house in Arlington (also financed),\u201d she said.<span class=\"id-r-component br\" data-pos=\"43\"\/>\u201cI don\u2019t think this would have happened in 2022-2025 during the cash craze,\u201d Bull added.<\/div>\n<p><br \/>\n<br \/><a href=\"https:\/\/timesofindia.indiatimes.com\/real-estate\/news\/cash-buyers-dominated-the-us-housing-boom-now-financed-buyers-are-fighting-back\/articleshow\/133538275.cms\" target=\"_blank\" rel=\"noopener\">Source link <\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Cash purchases have also declined faster than the overall housing market (representative image) Cash is losing some of its advantage in the US housing market as home sales slow, inventory increases and price growth moderates, giving buyers relying on mortgages a better chance of competing.The share of homes bought with cash fell to 31.4% in 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purchases have also declined faster than the overall housing market (representative image) Cash is losing some of its advantage in the US housing market as home sales slow, inventory increases and price growth moderates, giving buyers relying on mortgages a better chance of competing.The share of homes bought with cash fell to 31.4% in [&hellip;]","magazineBlocksPostCategories":["\u0b26\u0b47\u0b36 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