Sell House With Medicaid Lien in Richardson — Your Options Explained
Medical debt, bankruptcy, judgment liens — these create real problems in a traditional Richardson home sale. We understand how they get resolved at closing and price our offers accordingly.
What to Expect When You Work With Us
Request a Free Cash Offer
A short conversation is all it takes. We don't need you to clean the house or fix anything before we talk.
Review the Offer — No Obligation
We look at what homes in your area have actually sold for, what condition yours is in, and what it'll cost us to renovate. That drives the number we bring you, usually the same day.
Pick Your Closing Date and Get Paid
Once you accept, we open title at a licensed Texas title company. You pick the date. We show up and close.
Every seller in Richardson has a number they need to walk away with. We try to understand that number early in the conversation. If our offer gets there, great. If it doesn't, we'll tell you honestly whether a retail listing is a better path for your situation.
We cover standard closing costs on every Richardson purchase. The number in your offer is what you walk away with. We put that in writing before you commit to anything.
Why Richardson Sellers Trust Texas Property Offer
We're a local, family-owned DFW buyer. Here's what that means for Richardson homeowners:
- Cash offer in hand, not contingent on anything
- We cover all standard closing costs
- Discreet process — no signs, no showings, no strangers in your home
- No open houses or buyer walkthroughs required
- Local DFW buyer — family-owned, not a national chain
Medicaid Liens and Selling an Inherited Richardson Property
Texas participates in the federal Medicaid estate recovery program, which requires the state to seek reimbursement for Medicaid costs paid on behalf of recipients who were 55 or older when they received benefits. After a Medicaid recipient passes away, the Texas Health and Human Services Commission can file a claim against the recipient's estate — including real property — to recover those costs.
For heirs who inherit a Richardson property from a parent or grandparent who received Medicaid benefits, this means the estate may owe HHSC before the property can be cleanly distributed to heirs. The claim amount is based on what Medicaid paid, capped at the value of the estate assets. If the property is sold, the HHSC claim is paid from the proceeds at closing like any other lien.
Exceptions and How We Handle Medicaid Lien Properties
Texas Medicaid estate recovery has exceptions — surviving spouses, minor children, and disabled heirs may qualify for hardship waivers or deferrals. An estate attorney can advise on whether a formal challenge to the HHSC claim is appropriate in your situation and what that process looks like.
If the HHSC claim doesn't exceed the property's equity, the sale proceeds pay it off at closing and heirs receive what remains. We've handled Richardson property sales with Medicaid liens and know how to coordinate with HHSC, the estate attorney, and the title company to get the property sold cleanly. If you've inherited a Richardson property that has a potential Medicaid estate recovery claim, contact us for a free evaluation — we'll work through the process with your attorney.
Richardson, TX Neighborhoods We Serve
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