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Gainesville, FL Seller Closing Cost Calculator

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Closing Cost Calculator for Gainesville: Seller Averages

This free calculator can help home sellers in Gainesville estimate their closing costs and net proceeds. To get a ballpark idea of the cost of selling a house in Gainesville, enter the information for each of the input fields above. You can see typical or state averages for most Gainesville seller closing costs below.

Home Selling Price: $315,000

How does your home compare to the city’s median selling price of $315,000? To determine your listing price, you can:

  1. Get a preliminary estimate with HomeLight’s free Home Value Estimator
  2. Request a Comparative Market Analysis (CMA) from a top Gainesville agent
  3. Purchase a pre-listing home appraisal (typically $000 in Gainesville)
  4. Visit this HomeLight map link to compare recently sold homes in Gainesville

Mortgage Payoff Amount: $251,713

According to Experian, the average homeowner in Florida has a mortgage balance of $251,713. To find the exact payoff amount for your Gainesville home, check your latest mortgage statement or contact your mortgage provider.

Listing Agent Fee: $7,875–$9,450

A typical listing agent commission in Gainesville is 2.5% to 3% of the home’s selling price. On a $315,000 house, your agent’s fee might range from $7,875–$9,450.

Get the Highest Proceeds: HomeLight data shows that the top 5% of agents sell homes faster and for up to 10% more than average agents. Try HomeLight’s free Agent Match platform to consult with the highest-performing agents in your Gainesville market.

Buyer’s Agent Fee: $7,875–$9,450

In the past, most home sellers covered both the listing agent and the buyer’s agent commissions. However, following a landmark court settlement by the National Association of Realtors, buyers are now expected to negotiate compensation directly with their own agents. If you’re offering to pay this fee to attract buyers or help close a deal, on a $315,000 median-priced Gainesville home, you can expect to pay $7,875–$9,450.

Detailed Closing Costs: $7,245

Closing costs in Gainesville typically average 2.3% of the home’s sale price. Whether your property falls at the high or low end of this range depends on its value, condition, the purchase agreement, and the services you ultimately pay for. On a median-priced home of $315,000, you might pay $7,245. Below are some of the typical types of closing costs you can expect in a Gainesville home sale:

  • Home Preparations: To help make your Gainesville home stand out, you’ll want to invest in curb appeal improvements such as professional cleaning, landscaping, or staging the property.
  • Renovations/Repairs: Fixing or updating your Gainesville home to meet buyer expectations or inspection requests.
  • Title Service Fees: Title company work required to verify legal ownership and help manage the transfer of the property.
  • Owner’s Title Insurance: A one-time insurance premium paid by the seller in Gainesville to protect the buyer from title issues or ownership disputes.
  • Transfer Taxes: Gainesville home sellers pay a state transfer tax rate of $0.70 per $100 of the property’s total value.
  • Recording Fees: This is a relatively small fee you’ll need to pay to the local city or county recording office to officially record the change in property ownership.
  • Buyer Incentives: With buyers being more hesitant in the current Gainesville market, you may need to offer concessions or credits to sweeten a deal, such as paying the buyer’s agent fees or funding an interest rate buydown.
  • Other Costs: You’ll likely have some miscellaneous expenses that are not covered in other categories, such as attorney fees and HOA transfers. (An attorney is not required to sell a house in Florida.)
  • Moving Expenses: While paying for movers or a rental truck is not technically a closing cost, you should include this expense in your budget, which can range from $883 to $7,000.

Make Buying and Selling Easier: Most Gainesville sellers are also buyers looking to purchase a new home. With HomeLight’s Buy Before You Sell program, you can make a non-contingent offer on your new home and only move once. Watch this short video to learn more.

More Helpful Seller Tools From HomeLight

Here are some additional tools you may find helpful as you plan your Gainesville home sale:

Want to avoid closing costs and sell fast? Get a cash offer today.

With HomeLight’s Simple Sale platform, you can receive a no-obligation, all-cash offer in 24 hours and close in as few as 10 days. Answer a few questions about your Gainesville home to get started. Along with your offer, you’ll also see an estimate of what a top Gainesville agent might be able to get for your home. Get both options with one tool.

As you look ahead to your next home purchase, here are some helpful buyer tools:

At HomeLight, our vision is a world where every real estate transaction is simple, certain, and satisfying. Therefore, we promote strict editorial integrity in each of our posts.

Need a ballpark listing price?

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