The share of all-cash home sales in the U.S. housing market declined to 26% in July, down from 31% in July 2025, according to the National Association of Realtors. For the first four months of this year, cash sales accounted for 31.4% of the market, a decrease from 32.3% in the same period a year ago. This trend reflects weakening competition, increased housing supply, and moderating prices, which are empowering buyers using mortgages. While total home sales fell 8.5% year-over-year during the first four months, cash sales dropped even faster by 11.2%.