Pay at Closing · For qualifying home sellers · Daviess County and anywhere in the greater 812 area code

Your home should show at its best. You shouldn't have to pay upfront to get it there.

Pay at Closing covers approved upgrades—from paint, flooring, and landscaping to HVAC, a new roof, and new light fixtures—with no upfront payment from you. The actual approved costs are repaid from your proceeds at closing. No interest. No markup. No program fees.

See if my home qualifies Call 812-296-6000

For qualifying homes listed with Ryan Klingle, LPT Realty LLC. Not every home qualifies. Eligibility and written terms apply.

Three steps. One person handles all of them.

Prepare

I fund the approved upgrades and coordinate the crews.

Present

Your home goes to market showing the way it should.

Pay

Actual approved costs come out of your proceeds at closing.

No upfront paymentNo interest or markupWritten terms before anything beginsLicensed Indiana Broker

Most listings get three things: a sign, an MLS entry, and hope.

Buyers decide in the first thirty seconds whether a home is worth their offer. Tired paint, worn floors, and an overgrown yard cost sellers real money at the negotiating table, and most agents' only answer is "price it lower." Mine is different.

The usual approach

Put it on the MLS as-is
Place a sign in the yard
Wait, then drop the price
Leave the upgrades to the buyer, and pay for them in the offer

Pay at Closing

Walk the home together and build the list of upgrades that change how it shows and sells
I fund the approved upgrades. You pay nothing upfront.
Licensed crews handle it; you inspect and sign off
Actual approved costs are repaid from your proceeds at closing

What qualifies, and what doesn't

This program is for homes where the right upgrades change how the home shows and sells, and where the numbers support doing them. Not every home qualifies, and that's the point.

The right home

Not showing its best yet

Dated or worn finishes. Paint that’s seen a decade. Floors that photograph badly. A roof or HVAC system a buyer will flag. A yard that needs attention. Homes where the right upgrades make the biggest difference.

Approved upgrades include

What Pay at Closing can cover

HVAC
New roof
Interior and exterior paint
Flooring and carpet
New light fixtures
Landscaping and yard cleanup
Power washing and deep cleaning

Not limited to that list

Built around your home

Every home is different. If an upgrade improves how your home shows and sells, and the numbers support it, it can be reviewed for approval. If something doesn’t make sense for your home, I’ll tell you plainly.

How it runs, start to finish

Every step is in writing before anything begins. You approve the scope, the budget, and every invoice.

Step 1

Home review

We walk the home, look at comparable sales, and run the numbers: what each upgrade costs and what it does to your net.

Step 2

Scope and budget, in writing

You approve exactly which upgrades happen and the dollar cap. Nothing is added without your signature.

Step 3

I fund it and run it

I pay the licensed crews directly and manage the schedule so the home is ready for photos on time.

Step 4

You inspect and sign off

Invoices are paid only after the upgrades are completed and you're satisfied.

Step 5

Repaid at closing

The actual approved costs come out of your proceeds on the settlement statement. No interest, markup, or fees.

The numbers, on paper, before you decide.

You'll see three things before you sign anything: the approved upgrade list with each cost, the total cap, and a seller net sheet showing the repayment at closing. If the math doesn't make sense for your home, I'll say so.

I don't quote sale-price increases and I don't promise a faster sale. Market, pricing, and condition all decide that. What I control is how your home shows on day one, and whether you have to write a check to get it there.

What your written agreement covers

Approved upgradesItemized, with cost

Total spending capSet by you

Interest, markup, feesNone

Your approvalScope, crews, and every invoice

RepaymentActual approved costs, from proceeds at closing

Approved costs remain repayable under the written agreement if the home does not sell.

Pay at Closing, plainly answered

Does every home qualify?

No. The program is for homes listed with me where the right approved upgrades make a real difference in how it shows and sells. I'll tell you on the first visit whether yours fits.

What does it cost me?

The actual approved cost of the upgrades, repaid from your proceeds at closing. There is no interest, no markup on contractor invoices, and no program fee.

What if my home doesn't sell?

Approved costs remain repayable under the written agreement. We talk through that timing before anything begins, not after.

Who picks the contractors?

I bring licensed, insured crews I've used before. You approve the scope, you inspect the finished upgrades, and nothing gets paid until you sign off.

Can I do just one thing, like paint?

Yes. The review is about finding the upgrades that matter for your home, not a fixed package. Sometimes it's only paint and a yard cleanup; sometimes it's a roof.

Will this get me a higher price?

I won't promise that. Presentation protects your price and widens your buyer pool, but the market decides the number. What you get is a home that shows at its best without an upfront bill.

Find out if your home qualifies.

Call, or send the address in the form below. I'll look at the home, run the numbers, and tell you whether Pay at Closing makes sense for it. No pressure either way.

Call Ryan: 812-296-6000 Email the address

Ryan Klingle, REALTOR® | SRES® · LPT Realty LLC · Licensed in Indiana · Equal Housing Opportunity
Pay at Closing is available for qualifying homes listed with Ryan Klingle. Eligibility and written terms apply.