Calculadora de Custos de Fechamento do Vendedor
Calcule os custos de fechamento que o vendedor paga na venda do imóvel.
Total Seller Closing Costs
$32,200
Total Seller Closing Costs vs Sale Price
Formula
## 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.
Exemplo Resolvido
A $450,000 sale with 5% commission, 0.5% transfer tax, $1,200 title, $750 attorney, $200 recording, $300 HOA, $5,000 seller concessions.
- 01Commission: $450,000 x 5% = $22,500
- 02Transfer tax: $450,000 x 0.5% = $2,250
- 03Title insurance: $1,200
- 04Attorney fee: $750
- 05Recording fees: $200
- 06HOA transfer fee: $300
- 07Fixed costs: $1,200 + $750 + $200 + $300 = $2,450
- 08Seller concessions: $5,000
- 09Total: $22,500 + $2,250 + $2,450 + $5,000 = $32,200
- 10As % of sale: 7.2%
Perguntas Frequentes
What closing costs can be negotiated?
Agent commissions, seller concessions, and repair credits are all negotiable. Title company selection can also affect costs. Transfer taxes are set by law and are not negotiable. In a strong seller market, sellers can often reduce or eliminate concessions.
Do sellers pay buyer agent commission?
After the 2024 NAR settlement changes, seller payment of buyer agent commission is no longer automatic. The seller may still offer it, but it is now a point of negotiation. Buyers may pay their agent directly or negotiate it into the purchase agreement.
What are seller concessions?
Seller concessions are credits from the seller to help pay the buyer closing costs. They reduce the seller net proceeds but can facilitate a sale, especially for buyers with limited cash. Limits: 3% for conventional with < 10% down, 6% for 10-25% down, 9% for 25%+ down.