Buyers get a Closing Disclosure detailing their costs — sellers get a settlement statement showing theirs. Here's what typically shows up on the seller side.
The biggest line item: commission
Real estate commission is typically the largest cost sellers pay, commonly landing somewhere in the 4-6% combined range for listing and buyer-agent compensation, though this is now individually negotiated rather than a fixed, published rate (see the article on breakeven math for more on this).
Other common seller costs
- Title insurance (owner's policy): in some states, custom or law dictates the seller pays for the buyer's title insurance policy. This varies significantly by state and even by county.
- Escrow or closing/settlement fees: split between buyer and seller in most markets, though the exact split is negotiable and varies regionally.
- Transfer taxes: a state or local tax on the transfer of property, calculated as a percentage or flat rate per the sale price. This varies enormously by state — some states have none, others charge a meaningful percentage.
- Prorated property taxes: you pay your share up through the closing date.
- HOA transfer/resale fees: if applicable, usually a few hundred dollars.
- Attorney fees: required at closing in some states regardless of whether you separately hire your own attorney for negotiation.
- Buyer concessions: any repair credits or closing cost assistance you agreed to during negotiation.
What you do NOT typically pay
The buyer's loan-related fees (origination, appraisal, their lender's title policy) are generally the buyer's costs, not yours — unless you've agreed to cover them as a negotiated concession.
Getting a real number
Ask your agent or title/escrow company for a seller net sheet — an estimate of your actual proceeds based on your specific sale price, payoff, and local costs. This is far more accurate than a percentage rule of thumb, and most agents will prepare one before you even list.
Closing costs and customary cost splits between buyer and seller vary significantly by state and locality. Confirm your specific costs with your agent, title company, or closing attorney.