How To Sell Your House Without Closing Costs

Sell 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 and your buyer. These are important factors to weigh if you want to sell your house without paying closing costs…


  • Closing costs can range between two and five percent of the purchase price of the home.
  • Determining who pays closing costs can be negotiated between the buyer and seller.
  • Selling to a “We buy houses” company is a guaranteed way to have both buyer and seller closing costs covered.

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?

Buyers and sellers can negotiate who pays for the closing costs, and the division of closing costs will be documented in the purchase agreement. Closing costs can range anywhere between two and five percent of the purchase price of the home.

While the buyer will usually pay for the majority of the closing costs, it is important to note that the seller typically pays the commission for both real estate agents. When selling with an agent, this commission will be about 5 to 6 percent of the final sale price for both the buyer’s and seller’s agents.

Other than your possible mortgage balance, agent commission is the biggest cost when it comes to payments 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 pro-rated and paid at this time, as well.

What Are Seller Subsidies?

sell house without closing costs

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

How To Avoid Paying 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. We actually pick up all costs and pay cash, which will save you time, money, and hassle at the closing table.

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 our form below or give us a call. (571) 207-5171

Andy Kolodgie

Andy Kolodgie is an experienced real estate investor in the Washington DC Metro area. As owner of The House Guys, Andy's goal is to provide home sellers with creative real estate options beyond the typical cash offer. He's been featured on multiple publications including Yahoo Finance, MSN, HomeLight,, Apartment Therapy,, LegalZoom, Zolo, and

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