Pay-At-Close
NO MONEY OUT OF POCKET UNTIL CLOSING
Repairs Done Now. Payment at Closing.
Unexpected repair costs can create stress during an already complex real estate transaction. Our Pay at Close program offers qualified clients a practical solution: complete necessary repairs immediately and pay from closing proceeds.
This innovative financing option keeps deals moving forward, reduces upfront financial pressure, and ensures repairs are completed on schedule—without compromising on quality or delaying closing.
Little to no money out of pocket. No delays to your timeline. Just work that gets done and costs settled at the closing table.
Simple by Design
When an inspection report comes back with required repairs, the last thing a seller needs is another bill before closing. Oikos's pay-at-close option removes that barrier entirely.
Here's how it works:
Request your estimate. We review your inspection report or scope of work and put together a clear, itemized quote.
We complete the repairs. Oikos gets to work on your timeline, handling every line item professionally and efficiently.
Payment is collected at closing. The cost of repairs is settled at the closing table, not before.
Little to no upfront cost. No financial pressure before the deal is done.
Built for Sellers and the Agents Who Represent Them
For sellers: You need repairs done but don't want to drain your account before closing. Pay-at-close lets you get the work done now without the upfront burden, keeping your cash in your pocket until the deal is finalized.
For real estate agents: Repair costs are one of the most common reasons transactions stall or fall apart. Pay-at-close gives you a practical solution to bring to your clients, keeping deals alive and closings on track.
The Right Team for the Job
Pay-at-close only works if the repairs are done right the first time. Oikos founder Garr Owens spent more than five years in the home inspection industry, so we know exactly what inspectors flag, what lenders require, and what it takes to get approved on the first re-inspection. Fast turnaround, clear communication, and licensed insured work across all of Delaware.
Frequently Asked Questions
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Specific terms vary by project, but typically there are no fees or additional charges for taking advantage of Pay-At-Close.
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Once qualified and agreements are signed, we typically begin work within days—timeline permitting.
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There are a few baseline requirements. The property needs to have sufficient equity, and you'll sign a service contract with Oikos before work begins. Beyond that, qualification is reviewed on a case-by-case basis depending on the specifics of your transaction. Reach out and we'll walk you through whether pay-at-close is the right fit for your situation.
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Most post-inspection repairs and property improvements qualify. Extremely large projects may require different arrangements.
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We address timeline changes on a case-by-case basis, but typically if closing is delayed beyond 30 days, payment may be due.
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Yes. Pay-at-close is available for properties that are currently under contract and working toward a closing date.
Ready to Move Forward?
Ask us about pay-at-close eligibility when you reach out. We serve sellers and real estate agents across all of Delaware from our home base in Felton, DE.