Can a Minnesota buyer and I agree to skip the seller disclosure?

Section 513.60 allows the general disclosure to be waived if seller and buyer agree in writing. The waiver does not cover other required disclosures, such as the well, septic and radon disclosures, so those still apply unless an exemption does.

There is an old well on my land. What do I have to disclose?

Before signing, Section 103I.235 requires you to disclose the status and location of all known wells, whether in use, not in use or sealed, and a well disclosure certificate is provided at closing. If you know of no wells, the deed can say so instead.

Do I need a Truth in Sale of Housing report to sell in Minneapolis?

The city says you need a full TISH report before you can show a single-family house, duplex, townhouse or first-time condo conversion, unless an exemption such as a city-issued Certificate of Code Compliance applies. Ask the city how it applies to a direct sale.

How much is deed tax on a Hennepin County sale?

The state deed tax is 0.0033 of net consideration, and Hennepin and Ramsey add 0.0001. The Department of Revenue's example puts a $200,000 sale at $680 in those counties and $660 elsewhere.

Is it too late to sell after a Minnesota foreclosure sale?

Not always. Section 580.23 generally gives six months after the sale to redeem, longer in some cases and as short as five weeks for abandoned homes. Talk to a Minnesota attorney quickly about using that time.

Can my lender come after me for the shortfall after foreclosure by advertisement?

Section 582.30 says a deficiency judgment is not allowed when a foreclosure by advertisement has a six-month or five-week redemption period. Other cases can differ, so have an attorney review yours.

We Buy Houses for Cash in Minnesota

About selling in Minnesota

Minnesota asks a lot of sellers before the purchase agreement is even signed. By law you may owe the buyer written disclosures about material facts, every known well on the land, whether the sewage system is permitted, and radon testing, and if the house is in Minneapolis you need a Truth in Sale of Housing evaluation before anyone can tour it. At the other end, a Minnesota lender can foreclose by advertisement without a lawsuit, and the sale is followed by a redemption period that is generally six months. Swifty Home Buyers buys Minnesota houses for cash in their current condition, with no commission and no repair requests, and you set the closing date. This page lays out the Minnesota rules that shape a sale.

We buy houses in all 50 states. This guide covers the rules that matter in Minnesota.

What it costs to sell in Minnesota

Minnesota's deed tax under Section 287.21 is 0.0033 of the net consideration, with a flat $1.65 when there is no consideration or it is $3,000 or less. Net consideration means the price minus the value of any lien that stays on the property and is not paid off or released in the sale. Hennepin and Ramsey counties add an Environmental Response Fund tax of 0.0001. The Department of Revenue's own example: on a $200,000 sale the deed tax is $660 in most counties and $680 in Hennepin or Ramsey. The tax is paid to the county where the deed is recorded, and your purchase agreement will say which side pays it, so read that paragraph before you assume. The other seller costs are the familiar ones: a listing commission (negotiable, and usually the largest), closing and title fees, payoff of the mortgage and any liens, and prorated property taxes. In Minneapolis, add the price of the Truth in Sale of Housing evaluation and any required repairs that the buyer does not agree to take on. Swifty charges no commission, and we lay out every cost in writing so you can compare a cash sale with listing.

Rules to know when selling in Minnesota

Good to know

Under Section 513.55, before signing an agreement to sell residential real property, the seller must give the prospective buyer a written disclosure of all material facts the seller is aware of that could adversely and significantly affect an ordinary buyer's use and enjoyment of the property, or any intended use the seller knows about. It has to be made in good faith and to the best of the seller's knowledge. Section 513.60 lets the seller and buyer waive this general disclosure if they agree in writing, but the waiver does not cancel disclosure duties created by other laws, and Minnesota has several. Section 103I.235 requires the seller to disclose the status and location of all known wells before signing, and to provide a well disclosure certificate at closing unless the seller knows of no wells and the deed includes a statement saying so. Section 115.55 requires a pre-signing disclosure of whether the sewage goes to a permitted facility or to a private system, and a seller who fails to disclose a known system can be liable for the cost of bringing it into compliance plus reasonable attorney fees, in a claim brought within two years after closing. The Minnesota Radon Awareness Act, Section 144.496, requires a radon disclosure before signing, covering whether the home was tested, any results and mitigation, and the Department of Health's Radon Warning Statement. Exemptions from the general disclosure in Section 513.54 include foreclosure and deed-in-lieu transfers, court-ordered transfers, transfers to heirs or devisees, transfers between cotenants, and transfers to a spouse, parent, grandparent, child or grandchild. Pre-1978 homes also carry the federal lead-based paint disclosure. You can choose the title company or attorney for closing.

If you're behind on the mortgage

Minnesota lenders can foreclose by advertisement under Chapter 580 without filing a lawsuit. Section 580.03 requires six weeks of published notice, and a copy of the notice must be served on the person in possession at least four weeks before the sale. What sets Minnesota apart is the time after the sale. Under Section 580.23 the mortgagor generally may redeem within six months after the sale by paying the sale price plus interest, and the period is 12 months in some cases, such as when the amount claimed is less than 66-2/3 percent of the original principal, or for larger acreage. If a court finds a residential property of ten acres or less has been abandoned, Section 582.032 can shorten redemption to five weeks. Section 582.30 bars a deficiency judgment when a foreclosure by advertisement carries a six-month or five-week redemption period. Ask a Minnesota attorney how a sale during the redemption period would work for your property. Be careful with anyone who offers to take title while you are behind and let you rent or buy the house back later: Chapter 325N regulates those reconveyance deals and gives the owner the right to cancel until midnight of the fifth business day after signing, or 8 a.m. on the last day of the redemption period if that comes first. The Minnesota Homeownership Center offers free foreclosure prevention advice at 1-866-462-6466, so there is no reason to pay anyone for foreclosure help.

Other situations we help with

Rural homes with wells, septic systems or an old unsealed well you only half remember: we buy as-is and help you get the disclosures right.
Minneapolis houses with TISH repair items you would rather not fix before selling.
Homes with elevated radon results or no mitigation system: the condition is reflected in our offer, not in a repair demand.
Owners in the redemption period after a foreclosure sale who want to understand their options before it expires.
Inherited homes passed to heirs, and houses held with a sibling or other cotenant who wants to sell.

Guides for your situation

Area notes

Minneapolis and Hennepin County

Minneapolis runs a Truth in Sale of Housing program that covers single-family houses, duplexes, townhouses and first-time condominium conversions. The city says you must have a full TISH report before you can show a property, the evaluation has to be done by an evaluator licensed by the city, and it is valid for two years or one sale. The seller must display a copy so buyers can see it at showings. If required repairs are not completed before closing, the buyer signs an acknowledgment of responsibility, submits it to the city within one day of closing and completes the repairs within 90 days. Hennepin County sales also carry the extra 0.0001 Environmental Response Fund tax on top of the state deed tax.

How a cash sale works

Tell us about your property

Share the address and a few basics. It takes about a minute — no showings, no clean-up.

Get your fair cash offer

We review comparable sales and condition, then walk you through a no-obligation cash offer.

Pick your closing date and get paid

Choose the date that works for you. We handle the paperwork and you get your proceeds.

Minnesota seller FAQ

Sources and last reviewed

Last reviewed: September 2026. General information only, not legal or tax advice. Rules vary by county and municipality and change over time; talk to a local real estate attorney or title company before you decide.

Guides for other states

We buy in every state. More guides are coming soon.