💵 What You’ll Actually Take Home When You Sell

A clear, realistic look at the true costs of selling your home.

One of the biggest questions every seller has — and one of the hardest to answer — is simple:

“What will I walk away with?”

Between commissions, prep work, taxes, and closing fees, the final number can look very different from the sale price. This guide breaks everything down so you can move forward with clarity instead of guesswork.

🧾 The Real Costs Most Sellers Can Expect

1. Agent Commission

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

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

2. Prep, Repairs & Light Improvements

Most sellers invest a little to make their home shine.Think:

• Fresh paint
• Landscaping
• Minor repairs
• Pre‑inspection fixes

You control how much you spend — but smart prep often leads to a stronger sale price.

3. Seller Closing Costs

Depending on your state, expect 1–3% of the sale price.This may include:

• Title fees
• Transfer taxes
• Attorney fees
• Recording fees

4. Buyer Credits or Concessions

After inspections, buyers may request:

• Repair credits
• Closing cost assistance

These are negotiable, but they do impact your bottom line.

5. Mortgage Payoff

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

6. Taxes

Capital gains taxes may apply if:

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

Always consult a tax professional for your specific situation.

7. Moving Expenses

Whether you’re moving across town or across the country, plan for:

• Movers
• Packing supplies
• Storage
• Travel costs

📊 Example Net Sheet

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

Estimated Net Proceeds: $187,000

(Your numbers will vary — this is just a sample.)

👀 The Hidden Costs You Won’t See on a Spreadsheet

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

Pricing too high at the start can delay your next move.

⭐ What Leads to a Smooth, Profitable Sale?

✔ Strategic pricing✔ Clear expectations✔ A smart prep plan✔ An agent who walks you through every dollar and decision

📞 Let’s Break Down Your Numbers

💵 What You’ll Actually Take Home When You Sell

A clear, realistic look at the true costs of selling your home.

One of the biggest questions every seller has — and one of the hardest to answer — is simple:

“What will I walk away with?”

Between commissions, prep work, taxes, and closing fees, the final number can look very different from the sale price. This guide breaks everything down so you can move forward with clarity instead of guesswork.

🧾 The Real Costs Most Sellers Can Expect

1. Agent Commission

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

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

2. Prep, Repairs & Light Improvements

Most sellers invest a little to make their home shine.Think:

• Fresh paint
• Landscaping
• Minor repairs
• Pre‑inspection fixes

You control how much you spend — but smart prep often leads to a stronger sale price.

3. Seller Closing Costs

Depending on your state, expect 1–3% of the sale price.This may include:

• Title fees
• Transfer taxes
• Attorney fees
• Recording fees

4. Buyer Credits or Concessions

After inspections, buyers may request:

• Repair credits
• Closing cost assistance

These are negotiable, but they do impact your bottom line.

5. Mortgage Payoff

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

6. Taxes

Capital gains taxes may apply if:

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

Always consult a tax professional for your specific situation.

7. Moving Expenses

Whether you’re moving across town or across the country, plan for:

• Movers
• Packing supplies
• Storage
• Travel costs

📊 Example Net Sheet

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

Estimated Net Proceeds: $187,000

(Your numbers will vary — this is just a sample.)

👀 The Hidden Costs You Won’t See on a Spreadsheet

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

Pricing too high at the start can delay your next move.

⭐ What Leads to a Smooth, Profitable Sale?

✔ Strategic pricing✔ Clear expectations✔ A smart prep plan✔ An agent who walks you through every dollar and decision

📞 Let’s Break Down Your Numbers

Selling is a major financial decision. I’ll help you understand 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 explore your options, reach out anytime.

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

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

‍