01
Your net, not your list price
List price is a headline. Net proceeds is the number that lands in your account, and the two move independently far more often than sellers expect.
Between the two sit the mortgage payoff, professional fees, title and escrow charges, prorated property taxes, any survey or HOA costs, seller-paid closing costs or rate buydowns you agreed to, repair credits negotiated after inspection, and the cost of carrying the home for every extra week it sits.
This is why the highest list price is not automatically the best strategy and why the highest offer is not automatically the best offer. A well-run sale optimizes the bottom line: the right price to attract real competition, preparation that removes objections before they become deductions, and negotiation that protects credits and terms after the contract is signed.
- Mortgage payoff and any second liens
- Professional fees, negotiated and stated in writing
- Title, escrow and recording charges
- Prorated property taxes and HOA dues
- Seller concessions, credits and any rate buydown
- Post-inspection repairs or credits
- Carrying cost for each additional week on market
