The two big buckets of expenses are agent compensation and seller closing costs (title/closing fees, recording, transfer-related charges, and prorations). Understanding these early ensures there are no surprises at the closing table.

The big costs sellers should expect

Seller costs vary by deal, but commonly include:

  • Agent commissions: These are negotiated and often the largest line item in the transaction.
  • Seller closing costs: In Colorado, some sources estimate these around 2.49% on average, not including commission.
  • Buyer incentives / Seller concessions: Credits to help the buyer with closing costs or financing strategies, depending on negotiation.
  • Mortgage payoff + Prorations: This includes property taxes and HOA fees depending on the timing of your closing.

When you combine these factors, many sellers end up in a “single digit” total cost range—usually 6%–8% of the sale price. However, your exact number depends on your specific closing statement details.

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What a “Net Sheet” is (and why we use it early)

A seller’s net sheet is an estimate of your net proceeds after subtracting costs from the projected sale price. It’s typically prepared by an agent or title company and gives you a realistic “here’s what you’ll actually have” number for planning your next purchase.

Frequently Asked Questions

What is a net sheet?

It’s a document that estimates what you’ll net by subtracting projected selling expenses and your mortgage payoff from an expected sale price.

Can I save money on commissions?

Commission is negotiable, but “cheap” isn’t the same as “best net.” The right question is which approach will maximize your bottom line after fees and execution.

Do seller concessions matter for my net?

Yes—concessions directly reduce your net proceeds, but they can be a strategic tool to get a deal done or protect your asking price in certain markets.

Closing

Knowing your net is the first step in planning your next move. We believe in “no-surprise real estate,” which means you get a clear net sheet early—so you can right-size with confidence, not guesswork.