For home sellers
Seller Closing Cost Calculator
Estimate what a seller pays at closing — agent commission, transfer tax, title, and settlement — and your net proceeds after the mortgage payoff.
How much are seller closing costs?
A seller’s closing costs typically total 6%–10% of the sale price. The real-estate agent commission — about 5%–6%, split between both agents — is the largest piece. Add owner’s title insurance, a settlement or attorney fee, deed recording, and any state transfer tax, and subtract it all (plus your mortgage payoff) from the price to get your net proceeds.
Transfer tax: 0.7% of price (statewide typical)
Total for both agents (often 5%–6%, negotiable).
Remaining loan balance, to estimate your net proceeds.
Estimated closing costs
$27,950
about 6.99% of the price
- Real-estate agent commission
- $22,000
- Transfer / conveyance tax
- $2,800
- Owner's title insurance (0.5% of price)
- $2,000
- Settlement / attorney fee
- $1,000
- Recording & deed prep
- $150
- Total closing costs
- $27,950
Estimated net proceeds$372,050.00
Sale price − closing costs − mortgage payoff.
What a seller pays at closing
The agent commission dwarfs everything else — at 5.5% of a $400,000 sale that’s $22,000. After that come owner’s title insurance, a settlement or attorney fee, deed recording, and, in about two-thirds of states, a transfer tax. Commission is negotiable and some sellers offer a buyer credit — both change your bottom line, so adjust the inputs to see your net proceeds.
Transfer tax by state
In most states the seller pays the transfer tax. Here’s the representative statewide rate for every state and DC, and the tax on a $400,000 sale.
| State | Transfer tax | Tax on $400,000 |
|---|---|---|
| Alabama | 0.1% | $400 |
| Alaska | None | — |
| Arizona | None | — |
| Arkansas | 0.33% | $1,320 |
| California | 0.11% | $440 |
| Colorado | 0.01% | $40 |
| Connecticut | 1.25% | $5,000 |
| Delaware | 2% | $8,000 |
| Florida | 0.7% | $2,800 |
| Georgia | 0.1% | $400 |
| Hawaii | 0.15% | $600 |
| Idaho | None | — |
| Illinois | 0.15% | $600 |
| Indiana | None | — |
| Iowa | 0.16% | $640 |
| Kansas | None | — |
| Kentucky | 0.1% | $400 |
| Louisiana | None | — |
| Maine | 0.44% | $1,760 |
| Maryland | 1% | $4,000 |
| Massachusetts | 0.46% | $1,824 |
| Michigan | 0.86% | $3,440 |
| Minnesota | 0.33% | $1,320 |
| Mississippi | None | — |
| Missouri | None | — |
| Montana | None | — |
| Nebraska | 0.22% | $900 |
| Nevada | 0.5% | $2,000 |
| New Hampshire | 1.5% | $6,000 |
| New Jersey | 1% | $4,000 |
| New Mexico | None | — |
| New York | 0.4% | $1,600 |
| North Carolina | 0.2% | $800 |
| North Dakota | None | — |
| Ohio | 0.15% | $600 |
| Oklahoma | 0.15% | $600 |
| Oregon | 0.1% | $400 |
| Pennsylvania | 2% | $8,000 |
| Rhode Island | 0.46% | $1,840 |
| South Carolina | 0.37% | $1,480 |
| South Dakota | 0.1% | $400 |
| Tennessee | 0.37% | $1,480 |
| Texas | None | — |
| Utah | None | — |
| Vermont | 1.25% | $5,000 |
| Virginia | 0.33% | $1,320 |
| Washington | 1.28% | $5,120 |
| West Virginia | 0.22% | $880 |
| Wisconsin | 0.3% | $1,200 |
| Wyoming | None | — |
| District of Columbia | 1.1% | $4,400 |
Frequently asked questions
How much are closing costs?+
For buyers, closing costs typically run 2%–5% of the home price — on a $400,000 home that's about $8,000–$20,000, most of it lender and title fees. For sellers, closing costs are usually 6%–10% of the price because they include the real-estate agent commission (about 5%–6%) plus title, settlement, and any state transfer tax. Enter your price above and switch between buyer and seller for a full itemized estimate.
Who pays closing costs, the buyer or the seller?+
Both do — but they pay different things. The buyer pays the lender's fees (origination, appraisal, credit report), title insurance, and prepaids; the seller pays the agent commission and, in most states, the transfer tax and owner's title policy. Many of these are negotiable, and buyers sometimes ask the seller for a 'closing cost credit' to cover part of their side.
How much are closing costs for a buyer?+
A buyer's closing costs are usually 2%–5% of the purchase price, driven by the loan: origination is about 0.5%–1% of the loan amount, lender's title insurance about 0.5%, plus an appraisal ($300–$600), inspection, settlement/escrow fee, recording, and a survey. Add prepaids (property-tax and insurance escrow, prepaid interest) and you get your total cash to close.
How much are closing costs for a seller?+
A seller's closing costs typically total 6%–10% of the sale price. The real-estate agent commission (about 5%–6%, split between the buyer's and seller's agents) is by far the largest piece. On top of that come owner's title insurance, a settlement or attorney fee, deed recording, and — in about two-thirds of states — a transfer or conveyance tax.
What is 'cash to close'?+
Cash to close is the total amount a buyer must bring to the closing table: the down payment plus closing costs (and prepaids), minus any deposit already paid and any seller or lender credits. This calculator's buyer mode adds your down payment to the itemized closing costs to show that figure.
Are these closing-cost estimates exact?+
No — treat them as planning estimates. Lender fees, title quotes, and agent commissions are negotiable and vary by company, and transfer tax varies by county and city within a state. Your lender's Loan Estimate (issued within three days of applying) and the final settlement statement are the authoritative numbers.
Buying instead? Estimate buyer closing costs and cash to close.
Commission and fee defaults are national averages and are negotiable — your listing agreement and the final settlement statement are the authoritative figures for your sale.