Seller Closing Costs Calculator
Get a line-by-line breakdown of all costs sellers pay at closing, including commission, transfer taxes, and title fees.
What Do Sellers Pay at Closing in 2026?
Seller closing costs typically total 6-10% of the sale price. The largest component is agent commission, which has historically been 5-6% split between listing and buyer's agents. Following the 2024 NAR settlement, sellers are no longer required to offer buyer agent compensation through the MLS, making total commission more negotiable. Many sellers are achieving 3-4% total in competitive markets.
Beyond commission, sellers pay transfer/excise taxes (which vary widely by state — Texas has none, while New York has a mansion tax on properties over $1M), title insurance, escrow or settlement fees, and attorney fees (required in some states). Pre-closing repairs and staging costs should also factor into your true net proceeds calculation.