For sale by owner
Sell by owner without doing it all alone. Clavesta matches you with verified buyers, shows the options that fit your mortgage, and guides both sides to closing.
FSBO, reframed
In 2025, about 5% of U.S. home sales were for sale by owner, a record low (NAR). Selling alone means pricing, finding serious buyers, paperwork and a dozen providers. Clavesta keeps what owners like about selling direct, keeping the commission, and adds the help.
Source:NAR 2025 Profile of Home Buyers and Sellers (opens in a new tab) (Nov 11, 2025).
Listing commission on a typical $414,400 home
If you’d otherwise have used agents. If you hire your own agent, you’d pay them. Clever Real Estate agent survey (opens in a new tab) (Aug 2026); Redfin closed-deal commission data (opens in a new tab) (Q3 2025, published Dec 2025); NAR 2025 U.S. median existing-home price (opens in a new tab) (Jan 14, 2026).
List and wait vs matched
| Topic | Typical listing-only site | Clavesta |
|---|---|---|
| How buyers find you | You post the home and wait for the right buyer to find it. | Buyers whose price, options and timing fit are matched with you. |
| Who can contact you | Often anyone who sees the listing. | Verified buyers only. Your exact address stays private until there’s a match. |
| Ways to buy | Usually cash or a bank loan. | Cash or bank loan on every home, plus an assumable loan or seller financing when they fit. |
| Getting to closing | Paperwork, providers and deadlines are up to you. | Your Deal Path guides you both through every step: what’s next, who does it and the typical cost. |
| What it costs | Varies: free listings, paid packages or fees at closing. | Flat, one-time fees. Never a percentage of your price, never charged at closing. |
Three ways to sell
Many owners don’t know a buyer could take over their FHA, VA or USDA loan, or that they could offer seller financing. Clavesta checks your mortgage and suggests what fits.
Every buyer can make an offer.
You still pay closing costs, like title and escrow, to the providers you choose.
See what you’d keepYour low rate becomes a selling point.
The servicer has to approve the buyer, and most conventional loans can’t be assumed.
How assumable loans workYou act as the bank and get paid monthly.
Your money comes in over years, and the buyer could stop paying. It’s secured by the home, never risk-free.
How seller financing worksIt means the owner sells the home without a listing agent: setting the price, finding a buyer and agreeing on terms directly. A title company or closing attorney still handles the closing.
In 2025, about 5% of U.S. home sales were for sale by owner, a record low (NAR). Most owners who use an agent want help with pricing, finding buyers and the paperwork, which is exactly what a guided direct sale covers.
The listing agent’s commission typically runs about 2.76% of the price (Clever, Aug 2026): about $11,437 on a $414,400 home. If you’d otherwise have used agents. If you hire your own agent, you’d pay them.
Not exactly. Clavesta is a matchmaking platform for home sellers and buyers. You still sell by owner, without a listing commission, but buyers are matched and verified, and Clavesta guides both sides through every step to closing.
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 and escrow go to the providers you choose.
For sellers
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.
Educational information, not legal, tax or financial advice. Clavesta is a technology platform, not a real estate broker, lender, mortgage loan originator, law firm or tax advisor.