The Hidden Costs Every Home Seller Should Plan For

Thinking of Selling? Here’s What Most Sellers Overlook

You list your home, accept an offer, and imagine that big check at closing. But the truth is, selling a home comes with hidden costs that can seriously shrink your net proceeds if you don’t plan ahead.

From agent commissions to closing fees, buyer concessions, and even unexpected repairs, these expenses can sneak up on you. Knowing them upfront lets you set a realistic asking price, budget wisely, and avoid stress when it’s time to sign.

Here’s what to watch for:

• Agent Commissions (5–6%) The largest single cost for most sellers. While commissions cover marketing, negotiations, and guidance through the sale, they add up fast — $15k–$18k on a $300k home.
• Closing Costs & Fees (1–4%) Title work, attorney fees, transfer taxes, and recording fees are just the start. These add to your overall selling cost and often surprise sellers at the final table.
• Property Prep Costs ($200 to $5,000+) Think fresh paint, repairs, landscaping, and staging. These investments often pay for themselves in higher offers — but you’ll need to budget for them before listing.
• Buyer Concessions (1–2%) Many sellers end up paying part of the buyer’s costs or offering repair credits to keep the deal alive.
• Mortgage Payoff & Overlap Expenses Daily interest, prepayment penalties, and bridge costs if you’re buying your next place can add up.
• Taxes & HOA Fees Prorated property taxes, HOA transfer fees, and move-out costs can also nibble away at your profits.

Why Planning Ahead Pays Off

One seller, Lisa, listed her home at $300,000. After commissions, fees, repairs, concessions, and moving expenses, she walked away with about $32,000 less than expected. But because she planned for a 10% cost cushion, there were no surprises — and she still left the table happy.

Pro Tip: Ask your agent for a net sheet before you list your home. This breakdown shows what you’ll actually walk away with after all costs — so you can plan your next move with confidence.

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📞 Want to Chat?

If you’re thinking about selling, downsizing, or inheriting property in Florida, reply to this email or book a free consultation. We’re not here to pressure — just to help you understand your real options, risks, and timelines.

Because sometimes the biggest return isn’t the highest offer — it’s the peace of mind that you didn’t screw it up.

📲 Have questions? Need advice? I answer every call, text, and email personally.

Thanks for being part of this amazing journey.

– Tom McNamara Your FL Real Estate Insider

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