All-Cash Home Purchases in U.S. Drop to 29% in December 2025
The share of all-cash buyers fell to its lowest December level since 2020, marking the steepest two-year decline in over a decade.
Fact Check
Multiple authoritative and relevant sources consistently report that 29% of U.S. home purchases in December 2025 were completed entirely with cash. Redfin's primary report specifically provides this figure and describes it as a five-year low, and several other reputable outlets, including Nasdaq, National Mortgage Professional, and Real Estate News, reproduce this same statistic directly from Redfin's analysis. The data is recent, pertains precisely to December 2025, and covers nationwide purchases, matching the statement's scope. There are no credible contradictory reports or evidence suggesting a different percentage or a different trend for that month. Given the high authority of Redfin in housing market data and corroboration across multiple independent publications, the probability that the statement is accurate is very high.
Summary
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Terms & Concepts
- All-Cash Home Purchase: A real estate transaction in which the buyer pays the full home price upfront without financing through a mortgage.
- Mortgage Rate: The interest rate charged by lenders on home loans, influencing affordability and buyer behavior.
- Housing Market: The economic sector encompassing the buying, selling, and renting of residential properties.