{"id":27914,"date":"2026-06-22T05:39:14","date_gmt":"2026-06-22T12:39:14","guid":{"rendered":"https:\/\/www.homelight.com\/blog\/?p=27914"},"modified":"2026-06-23T15:33:06","modified_gmt":"2026-06-23T22:33:06","slug":"who-pays-closing-costs-when-selling-a-house-by-owner","status":"publish","type":"post","link":"https:\/\/www.homelight.com\/blog\/who-pays-closing-costs-when-selling-a-house-by-owner\/","title":{"rendered":"Who Pays Closing Costs When Selling a House By Owner?"},"content":{"rendered":"<p><a href=\"https:\/\/www.homelight.com\/blog\/selling-your-house-without-a-realtor\/\">Selling a home without a Realtor<\/a> can feel empowering, especially when you\u2019re trying to keep more of the <a href=\"https:\/\/www.homelight.com\/blog\/how-much-will-i-make-selling-my-house\/\">profit from the sale<\/a>. But once you start getting into the details, the numbers behind the transaction can get surprisingly complex. Who pays <a href=\"https:\/\/www.homelight.com\/blog\/what-are-closing-costs\/\">closing costs<\/a> when selling a house by owner? It\u2019s a question that often comes up as sellers realize that even without an agent, there are still fees and shared expenses involved at the closing table.<\/p>\n<p>Understanding how these costs are typically divided can help you plan and avoid last-minute surprises when it\u2019s time to sign the final papers.<\/p>\n\n\n\n\n\n<div class=\"geo-cta widget-cta widget-cta--content     widget-cta--dark widget-cta--dark-blue-gradient\">\n    <div class=\"widget-element--content\">\n        <div class=\"widget-element--content-header\">\n            <img decoding=\"async\" alt=\"homelight logo\" class=\"widget-element--logo\" src=\"https:\/\/www.homelight.com\/blog\/wp-content\/themes\/ccprototypev5\/images\/logo-small-cta.png\" width=\"106\" height=\"25\" \/>\n        <\/div>\n        \n                <h3 class=\"cta-headline widget--bold\">Find a Top-Rated Real Estate Agent Near You<\/h3>\n                        <p>FSBO listings statistically sell for less than agent-assisted sales. HomeLight analyzes over 27 million transactions and thousands of reviews to determine which agent is best for you based on your needs.<\/p>\n        \n                <div class=\"widget-element--buttons\">\n            <a data-type=\"In Content CTA\" href=\"https:\/\/www.homelight.com\/find-agent\/quiz\/seller?#\/qaas=0\/\" class=\"cta-click-track widget-element--button\">Learn More<\/a>\n        <\/div>\n                    <\/div>\n<\/div>\n\n\n<div id=\"section--1\" data-toc-header=\"Seller FSBO closing costs\" data-toc-type=\"head\"><\/div>\n<h2>Seller FSBO closing costs<\/h2>\n<p>How much are closing costs for a seller in a FSBO transaction? Seller closing costs in an FSBO deal usually still add up to about 6% to 10% of the sale price, depending on things like taxes, title fees, and any concessions.<\/p>\n<p>Even without an agent, most of these costs don\u2019t go away. They just get handled differently. The exact amount varies based on your location and what you agree to cover in the deal. Here\u2019s what to expect in what\u2019s included in seller closing costs for FSBO:<\/p>\n<div id=\"section--2\" data-toc-header=\"Pre-listing appraisal\" data-toc-type=\"sub\"><\/div>\n<h3>Pre-listing appraisal ($350-$700)<\/h3>\n<p>It\u2019s not required, but without access to an agent\u2019s <a href=\"https:\/\/www.homelight.com\/blog\/comparative-market-analysis\/\">comparative market analysis<\/a>, FSBO sellers may find it useful to order their own <a href=\"https:\/\/www.homelight.com\/blog\/should-i-get-an-appraisal-before-selling-my-house\/\">pre-listing appraisal<\/a> to <a href=\"https:\/\/www.homelight.com\/blog\/price-my-home\/\">price their home<\/a> accurately. With this, you can avoid <a href=\"https:\/\/www.homelight.com\/blog\/home-selling-mistakes\/\">overpricing<\/a>, which may slow down your sale, or underpricing, which could cost you money.<\/p>\n<div id=\"section--3\" data-toc-header=\"Seller\u2019s attorney fees\" data-toc-type=\"sub\"><\/div>\n<h3>Seller\u2019s attorney fees ($150-$400 an hour)<\/h3>\n<p>Not every state requires you to hire a real estate attorney, but in FSBO sales it\u2019s still a smart move to have some legal help to avoid unnecessary risk. An attorney can review and prepare <a href=\"https:\/\/www.homelight.com\/blog\/documents-needed-to-sell-house\/\">key documents<\/a> and make sure important paperwork, like the seller\u2019s <a href=\"https:\/\/www.homelight.com\/blog\/mandated-disclosures-real-estate\/\">disclosures<\/a>, is filled out correctly, so be sure to prepare for <a href=\"https:\/\/www.homelight.com\/blog\/real-estate-attorney-fees\/\">real estate attorney fees<\/a>.<\/p>\n<div id=\"section--4\" data-toc-header=\"Transfer taxes\" data-toc-type=\"sub\"><\/div>\n<h3>Transfer taxes (0.1%-5.0% of the sale price)<\/h3>\n<p>Many states and municipalities levy taxes for the transfer of property from one party to another. This fee often falls on the seller, but customs can vary by state. Currently, 16 states do not charge any <a href=\"https:\/\/www.homelight.com\/blog\/real-estate-transfer-tax\/\">transfer taxes<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>In most FSBO real estate contracts, both buyers and sellers pay a portion of closing costs, but negotiations can lead one side to pay more.<\/p>\n","protected":false},"author":280,"featured_media":50663,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"content-type":"","cybocfi_hide_featured_image":"","footnotes":""},"categories":[322,341],"tags":[248,759],"class_list":["post-27914","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-logistics","category-closing","tag-for-sale-by-owner","tag-how-to-sell-a-house-by-owner"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.7) - 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