卖方结算费用计算器 — 公式

## 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.

计算示例

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%