Most sellers are surprised by how much comes out before they see a dollar. See your actual net proceeds — not just the sale price — before you decide anything.
The sale price is just the starting point. Here's every cost that typically comes out before you see your proceeds — based on a $350,000 Arizona home sale.
That's before your mortgage payoff. If you still owe $200,000 on a $350,000 home, you're not walking away with $150,000 — you're walking away with $90,000–$118,000 after all costs. Enter your address above to see your exact numbers.
The number on the contract isn't the number on your check.
Most sellers don't see the full breakdown of costs until the final closing statement — sometimes 24 hours before closing. By then it's too late to renegotiate.
A buyer's inspector will find things. Roof issues, HVAC age, plumbing — these negotiations happen after you're already under contract and emotionally committed.
Every month your home sits on the market costs you — mortgage payments, property taxes, insurance, utilities. A 60-day listing period on a $350k home can cost $3,000–$5,000 just in carrying costs.
A cash offer might look lower on paper. But after you subtract all costs from a traditional sale, the gap is often much smaller — and sometimes the cash option puts more money in your pocket.
Both parties typically pay closing costs in Arizona. The seller usually pays agent commissions, their portion of escrow fees, title insurance, and sometimes seller concessions. The buyer pays their lender fees, their portion of escrow, and other transaction costs. It's negotiable, but sellers should budget for 8-12% of the sale price in total costs.
Yes, agent commissions are negotiable. The typical range is 5-6%, but some agents will work for less — especially in a hot market where homes sell quickly. Recent NAR settlement changes have also shifted how buyer's agent commissions are handled, so it's worth having that conversation with any agent you interview.
Title insurance protects the buyer against any defects or disputes about the property's ownership history. In Arizona, it's customary for the seller to pay for the owner's title policy — typically around 0.5% of the sale price. It's not legally required but is standard practice and most buyers expect it.
Enter your address in our free tool above. We pull your estimated market value from multiple data sources and calculate your net proceeds after all typical costs — agent commissions, closing costs, repairs, concessions, title insurance, and escrow. You'll also see a cash offer comparison so you can decide which path makes more sense for your situation.
It depends on your situation and priorities. A cash offer is typically 10-15% below market value, but you pay zero in commissions, closing costs, repairs, or concessions. For homes in poor condition, sellers in a hurry, or anyone who wants certainty over maximum price, a cash sale often makes more financial sense than it appears at first glance. Our tool shows you both scenarios so you can compare honestly.
Cash offer vs. on-market — with every cost factored in. Takes 60 seconds.
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