How To Sell Your House Without Closing Costs

how to sell your house without closing costs

You’ve likely heard about closing costs, but do you know everything that they include and who can pay them? There’s no denying that closing costs are an inevitable part of selling a home– they encompass all the fees that need to be paid at the closing table. However, the person in charge of paying the closing costs can vary depending on contract negotiations. This is key if you want to sell your house without paying closing costs…

What Are Closing Costs?

Closing costs can include the following (depending on where you live and your situation):

  • Notary fees
  • Transfer Costs
  • Transfer Taxes
  • Appraisal Costs
  • Inspection Fees
  • Origination Fees
  • Recordings Fees
  • Title Insurance
  • Underwriting Fees
  • Bank Fees
  • Courier Fees
  • Wire Transfer Fees
  • Liens against the home will need to be paid to clear the title
  • Credit Report Fees
  • Administrative Fees
  • Attorney Fees, If Applicable
  • The balance of your mortgage or loans against the home
  • Possibly repairs or pest control if this has previously been agreed upon

Who Pays Closing Costs?

While the buyer will usually pick up a number of the closing costs, it is important to note that the seller typically pays 100% of the commission. When selling with a realtor, this will be about 6% of the final sale price for both the buyer’s and seller’s agents. Other than your possible mortgage balance, this is by far the biggest cost when it comes to costs at the closing table. As a seller, you will also need to pay your share of the year’s property tax, up until the day of closing. Any HOA fees or other community costs should be prorated and paid at this time, as well.

sell house without closing costs

What Are Seller Subsidies?

Seller subsidies are an amount negotiated between the buyer and seller. It is the percentage the seller agrees to pay towards the closing costs. For example, you can offer to put 1% towards closing to help relieve some of the costs for your buyer. Overall, paying these subsidies are often a small price to pay to bring retail buyers to the table!

“How Do I Sell My House Without Closing Costs?”

Great question. By working with a direct cash home buyer such as The House Guys, you can avoid paying ALL closing costs. The House Guys not only cover both buyer and seller closing costs, but we also do not charge you a commission, as we are not agents. We actually pick up all costs and pay cash, which will save you time, money and hassle at the closing table. We even cover repairs and cleaning. If you are a homeowner interested in selling your house without closing costs and skipping all the hassles of selling the traditional way, fill out the form at The House Guys or give us a call. (571) 207-5171

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