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Home Seller Closing Cost Calculator

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Seller Closing Cost Calculator: National Averages

This free home seller closing cost calculator can help you estimate your selling costs and net proceeds. To get a preliminary idea of the cost of selling your house using typical expenses, enter the information for each of the input fields above. You can see the national averages for seller closing costs below.

See a full cost and proceeds breakdown

A top real estate agent can provide you with a Seller’s Net Sheet that breaks down all the costs of selling your home, along with an estimate of the proceeds you can expect. Use HomeLight’s free Agent Match platform to find a trusted local agent with excellent reviews and a proven track record.

Step 1: Talk to an Expert

Median Home Selling Price: $410,000–$450,000

How does your home compare to the median U.S. selling price of around $410,000– $450,000? To determine your listing price, you can:

  1. Receive a ballpark estimate with HomeLight’s free Home Value Estimator
  2. Request a Comparative Market Analysis (CMA) from a top real estate agent
  3. Purchase a pre-listing home appraisal (typically $300–$500)
  4. Visit this HomeLight map to compare recently sold homes in your area

Average Mortgage Payoff Amount: $252,505

According to Experian credit experts, the average mortgage balance for U.S. homeowners is $252,505. To find your payoff amount, check your latest mortgage loan statement or contact your mortgage servicer.

Average Listing Agent Fee: $12,690

A typical listing agent commission in the U.S. averages about 2.82% of the home’s selling price. On a $450,000 house, your agent’s fee might be around $12,690. You can adjust the percentage up or down in our Seller Closing Cost Calculator above, or visit our Real Estate Agent Commission Calculator.

Receive the Highest Proceeds: HomeLight transaction data reveals that the top 5% of agents sell homes faster and for up to 10% more than average agents. Use HomeLight’s free Agent Match platform to find the top-performing agents in your area.

Average Buyer’s Agent Fee: $12,375

In the past, tradition dictated that sellers cover both the listing agent and the buyer’s agent commissions. However, following a court settlement by the National Association of Realtors, buyers are now required to negotiate compensation directly with their own agents. And while you now have the option not to pay the buyer’s agent, most sellers still do.

According to a recent nationwide HomeLight survey, 92% of agents say home sellers in their markets are still covering the buyer’s agent commission. The current national average is about 2.75% of a home’s selling price.

If you’re offering to pay this fee to attract buyers, you can expect to pay about $12,375 on a $450,000 median-priced home.

An Example Set of Closing Costs: $8,100

Closing costs in the U.S. average about 1.8% of a home’s sale price, not including agent commissions. On a median-priced home of $450,000, you might pay $8,100. In states with a transfer tax, the percentage can be higher. Below are some of the typical closing costs you can expect:

  • Home Preparations: Curb appeal improvements, such as cleaning, landscaping,  power washing, or home staging.
  • Renovations or Repairs: Fixing or updating your home and fixtures to meet buyer expectations or inspection requests.
  • Title Service Fees: Required services handled by a title company to verify legal ownership of the home and manage the official transfer of the property.
  • Owner’s Title Insurance: A one-time insurance premium paid at closing to protect the buyer from title disputes. Depending on the state, this fee may be paid by the seller, the buyer, or split between both parties.
  • Transfer Taxes: Also known as a conveyance, deed, documentary, or stamp tax, this fee is not charged in all states. It can range from 1%–3.6% of the home’s purchase price or higher, especially if you’re paying a combined state, city, or county fee.
  • Recording Fees: Fees paid to the local government to legally record the change in homeownership.
  • Buyer Incentives: Credits or seller concessions you might offer potential buyers, such as covering their Realtor fees or offering to fund a mortgage interest rate buydown.
  • Other Miscellaneous Costs: Expenses not covered in other categories, such as attorney fees and HOA transfers. Some states require a real estate attorney at closing.
  • Moving Expenses: While this is not technically a closing cost, as a seller, you might want to include it in your planning budget. According to Angi, the national average to pay a professional mover is $1,710, with a typical range of $882–$2,566. The high end for longer moves can be as much as $11,595.

Buying and Selling at the Same Time? If you are trying to time your sale with the purchase of your next home, check out HomeLight’s Buy Before You Sell program. This seamless solution lets you use the equity from your current home to make a non-contingent offer on your new home — and only move once. Watch this short video to learn more.

Additional Seller Tools From HomeLight

Here are some additional tools to help you plan your home sale:

Want to avoid closing costs and sell fast? Request 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 7 days. Answer a few questions about your home to get started. Along with your cash offer, you’ll also receive an estimate of what a top agent might be able to get for your home. You’ll see both options with one online tool.

As you look ahead to your next house purchase, here are some handy homebuyer 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?

Use our free home value estimator