Seller Closing Cost Rechner — Formel

Seller Closing Costs

Sellers typically pay 7-10% of the sale price in closing costs. Understanding these costs helps set a realistic net proceeds expectation.

Major Seller Costs

  • Agent commission: The largest cost, typically 4-6%
  • Transfer tax / deed stamps: State and local taxes on the property transfer
  • Title insurance: Seller may be responsible for the owner policy (varies by state)
  • Attorney fees: Required in some states for settlement

    • Prorations and Adjustments

  • Property taxes are prorated to the closing date
  • HOA dues prorated or transfer fees charged
  • Seller responsible for any liens, judgments, or payoffs

    • Negotiable Items

    Seller concessions toward buyer closing costs are common negotiation tools. Limits apply: conventional loans allow 3-9% seller concessions depending on buyer down payment.

    Lösungsbeispiel

    A $450,000 sale with 5% commission, 0.5% transfer tax, $1,200 title, $750 attorney, $200 recording, $300 HOA, $5,000 seller concessions.

    1. Commission: $450,000 x 5% = $22,500
    2. Transfer tax: $450,000 x 0.5% = $2,250
    3. Title insurance: $1,200
    4. Attorney fee: $750
    5. Recording fees: $200
    6. HOA transfer fee: $300
    7. Fixed costs: $1,200 + $750 + $200 + $300 = $2,450
    8. Seller concessions: $5,000
    9. Total: $22,500 + $2,250 + $2,450 + $5,000 = $32,200
    10. As % of sale: 7.2%