If you’re planning to buy a home with cash in 2026, there’s a major federal rule change you can’t afford to ignore. What used to be one of the fastest, most private ways to purchase property is now under increased scrutiny. A new reporting requirement means millions of transactions—especially those involving LLCs or trusts—could now be flagged and reviewed. For retirees, investors, and downsizing homeowners, this shift could impact timelines, paperwork, and even privacy expectations. Here’s what the new all-cash homebuyer reporting rule means and how to avoid costly surprises.
