💰 What Will You Really Walk Away With?

A clear look at the real costs of selling.

When it comes to selling your home, one of the most important questions is also one of the most confusing:

How much will I actually make at closing?

Between commissions, repairs, taxes, and fees, the numbers can add up quickly — and surprise sellers who didn’t plan ahead. This guide gives you the clarity you deserve before you list.

🧾 Typical Seller Costs You Should Expect

1. Real Estate Commission

Usually 5–6% of the sale price, split between the listing agent and the buyer’s agent.This covers:

• Marketing
• Negotiation
• Contract management
• Guidance from start to finish

2. Repairs & Improvements

Most sellers invest in light updates to make the home more appealing.Examples:

• Fresh paint
• Landscaping
• Pre‑inspection repairs

You choose how much or how little to do — but smart prep can increase your final sale price.

3. Closing Costs

Sellers often pay a portion of:

• Title fees
• Transfer taxes
• Attorney fees

Depending on your state, this typically ranges from 1–3% of the sale price.

4. Concessions or Credits

Buyers may request:

• Closing cost help
• Repair credits after inspection

These are negotiable but can affect your bottom line.

5. Mortgage Payoff

If you still have a loan, your remaining mortgage balance is paid directly from your proceeds.

6. Taxes

Capital gains taxes may apply if:

• Your home has appreciated significantly
• You don’t meet the IRS exclusion limits
• The property is an investment or inherited

Always consult a tax professional for your specific situation.

7. Moving Costs

Whether local or out‑of‑state, plan for:

• Movers
• Packing supplies
• Storage

📊 Sample Breakdown

Sale Price: $450,000Commission (6%): $27,000Minor Repairs & Prep: $2,500Closing Costs (2%): $9,000Buyer Concession: $3,000Mortgage Payoff: $220,000Moving: $1,500

Estimated Net Proceeds: $187,000

(Your numbers will vary — this is just an example.)

👀 What You Won’t See on the Estimate… But Matters

• Time on Market

The longer your home sits, the more holding costs add up.

• Emotional Cost

Stress, uncertainty, or rushing can lead to accepting a lower offer.

• Opportunity Cost

Not pricing correctly from the start can delay your next move.

⭐ What Makes a Smooth, Profitable Sale?

✔ Smart pricing✔ Transparent expectations✔ A clear prep plan✔ An agent who walks you through every dollar and decision

📞 Let’s Run the Numbers Together

Selling is a major financial decision. I’ll help you break down the real costs and show you exactly what you could walk away with — based on your home, not a generic formula.

If you’d like a personalized net sheet or you’re just starting to think about selling, reach out anytime.

Call or Text: 912‑414‑4427Email: PennyRaffertyRealty@gmail.com

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