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Selling a House As-Is

Can a Buyer Ask for Repairs in an As-Is Home Sale in New York?

Yes, they can ask. Whether you have to say yes depends on your contract, not the words "as-is." Here's how to size up the request and decide how to respond.

Updated October 8, 2026•By The CashForHousez Team•About 10 minutes
New York homeowner reviewing a home inspection report with a real estate professional
Quick Answer

Yes. A buyer can ask for repairs, a credit or a lower price even in an as-is sale. You don't have to agree unless your contract already promised the work. Before you answer, check what you've signed, sort the list into real problems and wish-list items, and compare any concession with the cost of losing this buyer and starting over.

1

Can a Buyer Request Repairs When a House Is Sold As-Is?

Yes. A buyer can ask for repairs, a lower price or a credit even when the house is listed as-is. Asking doesn't oblige you to do anything. Whether you have to fix something, whether the buyer can walk away, and what happens to the deposit all come down to the signed contract.

Asking isn't the same as being owed

Say the inspection shows the boiler is near the end of its life and the buyer asks you to replace it. In most as-is deals you can say no or offer something smaller. But first, check whether the contract promises a working heating system at closing, lists specific repairs you agreed to, or gives the buyer an inspection contingency with a right to cancel. The listing description won't answer that; the contract will.

As-is doesn't mean no inspection

The buyer's right to inspect, the condition you're selling in, and the buyer's right to cancel are three separate questions, each answered by its own part of the contract. For the bigger picture, see our guide to selling a house as-is in New York.

2

Where Are You in the Deal?

Start with one question: what have we signed so far? In New York, the buyer's inspection can happen before or after the contract is signed, and there's no standard deadline for repair negotiations that applies to every sale.

What to check at each stage
StageYour positionWhat to check first
Before a signed contractEverything is still negotiable: price, condition and any work.Confirm with your attorney that nothing binding has been signed yet.
After the contract or inspectionMeasure the request against what the contract already says.Inspection terms, notice requirements, deadlines, cancellation rights and any promises you made.
Just before closing or at the walkthroughTell new damage apart from old conditions the buyer already saw.Condition-at-closing language, agreed repairs and who's responsible for new damage.

Before the contract is signed

This is the easiest time to deal with it. Ask the buyer to raise their concerns now so they're reflected in the price. An accepted offer or a handshake isn't a contract, so check with your attorney about where things legally stand.

After the inspection

Send the request to your attorney and agent right away. Contracts often have short response windows, so ignoring the request can cost you. And don't tell the buyer they'll lose or keep their deposit until your attorney has read the contract.

New damage before closing

A pipe that bursts after the contract is signed is a different situation from an old bathroom the buyer saw at inspection. Many contracts make the seller responsible for keeping the house in the same condition until closing, so have your attorney look at that language before you treat it like an ordinary repair request.

3

Sort the Repair List Before Talking Money

Ask for the actual inspection pages, photos and whatever estimate the buyer is relying on. An inspector's note is useful, but it isn't a contractor's diagnosis or a priced repair.

  • Known conditions already priced in: an outdated kitchen, worn floors, an aging boiler you disclosed. Point out that these were visible and reflected in the price, though the buyer can still try to negotiate.
  • Genuinely new problems: an active leak, possible structural movement or unsafe wiring. Get the right specialist to look before you agree to anything.
  • Inflated or vague requests: an inspector's "recommend further evaluation" turned into "replace the whole system." Ask what evidence supports the work and the price.

If the inspection reveals something that makes your earlier disclosure statement materially inaccurate, New York law may require you to give the buyer a revised one. Ask your attorney. This guide covers houses; condos and co-ops have different documents and rules.

A known problem isn't automatically off the table for negotiation. And a buyer's estimate doesn't entitle them to a dollar-for-dollar price cut.

4

Four Ways to Respond to a Repair Request

Pick your response based on the contract, real repair information, the cash you have and how much you want to keep this buyer.

Your four main options
ResponseCost to youEffect on closingMain catch
Say no, or counter with lessNo repair spending.The buyer may accept, keep negotiating or use any exit the contract gives them.Doesn't override promises you already made or the buyer's cancellation rights.
Lower the priceLess money at closing instead of paying a contractor.Needs a written amendment; the buyer's loan may need adjusting.Doesn't fix the house or satisfy a lender's condition requirement.
Give a closing creditComes out of your proceeds at closing, if the lender allows it.Avoids arranging work before closing.Lenders limit how much and what it can be used for.
Agree to specific repairsContractor costs and possible overruns.Scheduling, permits and sign-off can push the closing back.Vague promises lead to fights over whether the work is "done."

If you agree to work, define it precisely

Have your attorney write down the exact work, who's doing it, any permits needed, the completion date and what proves it's finished. Also decide what happens if it isn't done in time. "Fix the inspection items" is a recipe for an argument at the walkthrough.

If you're still deciding whether to take on broader work before selling, see our guide to selling a house that needs repairs. For cosmetic items, what not to fix before selling covers which updates rarely pay off.

Homeowner and inspector examining moisture damage beneath a window

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5

When a Credit Doesn't Solve the Problem

Check the buyer's loan rules first

A closing credit isn't just a price cut by another name. If the buyer has a mortgage, their lender decides whether a credit is allowed and how big it can be. Fannie Mae, for example, caps seller contributions on the loans it covers, and other loan programs have their own limits. A credit usually goes toward the buyer's closing costs; it isn't cash they walk away with for renovations.

Also ask whether the lender requires the repair itself. If the appraiser flagged a safety or structural problem, the lender may insist the work is done before closing, no matter what credit you offer.

Queens and Brooklyn: check the building records

If the request involves a basement apartment, an old alteration or an open violation, it may be a legal-use or permit problem, not just a repair. Look up the DOB records before you agree to anything. Paying for a repair doesn't clear a violation from the city's records; our code violations guide explains why.

Nassau: find the right local office

For a Nassau house, find out which town or village handles permits and records for your address. NYC's systems don't cover Nassau, and the process varies from one municipality to the next.

6

Compare the Concession With Starting Over

A request that feels unreasonable can still be cheaper than losing the buyer. Count the extra months of carrying costs, the risk that a replacement buyer offers less, and the hassle of starting the sale over.

Example: a $7,000 concession vs. putting the house back on the market
ScenarioMathWhat you keep
Keep the current $585,000 sale and give the concession$585,000 − $22,000 selling costs − $240,000 mortgage payoff − $7,000 concession$316,000
New buyer at $586,000 two months later$586,000 − $22,000 costs − $240,000 payoff − $5,000 extra carrying costs$319,000
New buyer at $578,000 two months later$578,000 − $22,000 costs − $240,000 payoff − $5,000 extra carrying costs$311,000

These are made-up numbers, not local averages or a forecast. The extra carrying costs assume $2,500 a month for taxes, insurance, utilities and interest. Your real costs will differ, and a replacement buyer isn't guaranteed.

Here, even finding a new buyer at a slightly higher price only puts you $3,000 ahead, two months later. A slightly lower price leaves you $5,000 behind. That doesn't mean you should always give in; it means you should run your own numbers before you dig in.

7

Checklist Before You Reply

  • Get the request, the relevant inspection pages, photos and any estimates.
  • Have your attorney check the contract, deadlines and how notices have to be sent.
  • Sort the list into known conditions, new problems and new damage.
  • Check whether you already promised the work or a certain condition at closing.
  • Confirm any lender, permit or paperwork requirements.
  • Compare the concession with what you'd keep if you started over.
  • Ask your attorney whether the new information affects your disclosure statement.
  • Put any agreed change in a written amendment.

A neutral first reply

Thanks for sending the inspection items. Could you share the relevant report pages and any estimates you're relying on? We'll review them with our attorney and agent and get back to you.

This is just a sample message, not contract language, and it doesn't extend any deadline. Your attorney should decide the wording, who it goes to and when. For an overview of what comes next, see how a New York home sale works, step by step.

Homeowner reviewing inspection documents, a checklist, and costs before responding to a repair request
8

What If a Cash Buyer Lowers the Offer After Inspection?

Paying cash doesn't stop a buyer from inspecting or renegotiating. Ask what changed: a problem nobody could have seen, a bigger repair than expected, or something they could have checked before making the offer.

Ask for the reason and the supporting evidence in writing, then compare the new number and terms with your other options. Have your attorney check whether the contract actually lets them lower the price or cancel. If you're being pushed to accept immediately without an explanation, that's your cue to slow down.

Before accepting your next offer, ask when the buyer will inspect and what could change the price. Our cash home-sale guide covers what else to ask about funds, fees and closing terms, and can a cash buyer back out? covers what happens if they walk.

CashForHousez is a direct home buyer and may make an offer on your property. Compare any offer with your other options.

Common Questions

As-Is Repair Request FAQs

Does as-is mean the buyer can't negotiate?

No. The buyer can always ask, and you can always counter. What you actually owe them depends on the contract.

Can a buyer cancel after an as-is inspection?

Only if the contract gives them a way out, such as an inspection contingency. "As-is" by itself neither creates nor removes that right. Have your attorney check the contract and deadlines.

Do I have to pay the full amount of the buyer's estimate?

No. Their estimate is a starting point for negotiation, not a bill. Check the evidence and the scope, and compare it with your alternatives.

Is a credit better than doing the repairs?

It's usually simpler, since you don't have to manage contractors. But the buyer's lender has to allow it, and it won't help if the lender requires the repair itself.

What happens to the buyer's deposit if we can't agree?

It depends entirely on the contract. Don't demand it or agree to release it until your attorney has reviewed the terms.

Do newly discovered problems affect my disclosure?

They can. If new information makes your earlier disclosure statement materially inaccurate, you may need to give the buyer a revised one. Ask your attorney.

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