What you’ll pay, and what you’ll keep
Selling or buying directly, you keep the agent commission. You still have closing costs, paid to the title company, lender and others you choose. Pick your side and how the buyer pays to see typical ranges, Clavesta’s flat fee and the commission you’re not paying.
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Educational information, not legal, tax or financial advice.
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Your estimate
$0
typical commission you keep, after Clavesta’s fee
- Clavesta fee (flat, one-time)
- $0
- Typical closing costs
- $0
- Estimated net at closing
- $0
Your closing costs, itemized
| Cost | Low | Typical | High |
|---|---|---|---|
| Estimated total | $0 | $0 | $0 |
The commission you’re not paying
- Typical listing-side commission
- $0
- Clavesta fee
- $0
- You keep (typical range)
- $0
If you’d otherwise have used agents. If you hire your own agent, you’d pay them.
How we estimate
Lines marked “rough estimate” aren’t checked against a primary source yet: get a quote. Each line is rounded to whole dollars, and totals add the rounded lines.
How this calculator works
- Shared closing costs. Title, settlement, recording and transfer taxes averaged about 1.06% of the price in 2024 (LodeStar). In the 16 states with no state transfer tax, we use a lower band. We split them 50/50, since who pays what follows local custom and your contract.
- Your side’s add-ons. Buyers add inspection, a survey if required, and lender fees for a bank loan (origination is usually 0.5%–1% of the loan). Assumptions add the servicer’s fee. Seller financing adds loan documents and servicing setup. In states where an attorney usually runs the closing, we add an attorney line.
- Clavesta’s fee. A flat, one-time fee: $49 for sellers, $128 for buyers with an Unlock. Never a percentage of your price, and never charged at closing.
- The commission you keep. The typical agent commission for your side, from recent surveys and closed-deal data, minus Clavesta’s fee.
We check the itemized total against official bands: buyers with a mortgage typically pay 2%–5% of the price including prepaids, and sellers 1%–3% not counting commission.The math comes from the same engine Clavesta uses in its app.
What this leaves out
- Prepaids and escrow reserves (your own taxes, insurance and interest paid ahead).
- Prorated property taxes and HOA dues, which are settled at closing, not costs.
- County and city transfer taxes beyond the state band, and HOA transfer fees.
- Repairs or credits you agree on after an inspection.
Frequently asked questions
How much are closing costs for a buyer?
Buyers using a mortgage typically pay about 2%–5% of the purchase price in closing costs, not counting the down payment (Freddie Mac, CFPB). That band includes prepaids like property taxes and insurance paid ahead. Cash buyers skip lender fees, so their costs are lower.
How much are closing costs for a seller?
Sellers’ closing costs, not counting commission, typically run about 1%–3% of the sale price (Redfin, 2026). Title, settlement, recording and transfer-tax charges averaged about 1% of the price nationally in 2024, from under 0.5% to about 3% depending on the state (LodeStar).
Does Clavesta’s fee cover closing costs?
No. Clavesta’s fees are flat and one-time. They’re never a percentage of your price and never charged at closing. Closing costs like title, escrow, recording, transfer taxes, lender and attorney fees are paid to the providers you choose, not to Clavesta. We show typical ranges up front so there are no surprises.
How much commission would I keep by selling directly?
On a traditional sale where both sides use agents, commissions have recently averaged about 5.2%–5.7% of the price (Clever agent survey Aug 2026, Redfin Q3 2025), roughly $21,500–$23,600 on a $414,400 home, the 2025 U.S. median. The listing side alone is about 2.76%. That’s the comparison if you’d otherwise have used agents; if you hire your own agent, you’d pay them.
What does taking over a mortgage cost?
Assuming an FHA loan, the processing fee is capped at $1,800. Assuming a VA loan, it’s capped at $300 plus a credit report, and a 0.5% VA funding fee applies unless you’re exempt. The equity gap, the price minus the loan balance, is part of the price, not a closing cost.
Who pays the buyer’s agent?
It depends on the deal. Since August 17, 2024, buyers who work with an agent sign a written agreement with them, and pay is negotiated deal by deal. The buyer may pay, or the seller may agree to contribute. Use the buyer’s agent option to see how each choice changes the numbers. Clavesta doesn’t negotiate or suggest the amount.
For sellers
Sell directly and keep the commission
Create a free account to see buyer interest near your home and which ways to sell fit your mortgage: cash or bank loan, a buyer taking over your loan, or seller financing.
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