Your options to sell
Every home on Clavesta is for sale directly, to buyers paying cash or with their own bank loan. Tell us about your mortgage and we’ll show which other options fit, what you’d net with each, and how it compares with a traditional sale with agents.
No sign-up and no address needed. Everything runs in your browser.
Educational information, not legal, tax or financial advice.
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Your options
$0
listing commission you keep selling directly (typical)
Side by side
If you’d otherwise have used agents. If you hire your own agent, you’d pay them.
Seller financing, in more depth: a range of outcomes in the Seller Note Simulatorand the tax spread in the Retirement Tax Planner.
Not likely for your home
How we estimate
How the comparison works
- Cash or bank loan. Always included: any buyer can make an offer. Your net at closing is the price, minus your loan payoff, typical seller closing costs and Clavesta’s flat fee.
- Assumable mortgage. A good fit when you have an FHA, VA or USDA loan. You net the same at closing, and a buyer taking over your lower rate could pay less each month than with a new loan, which can bring more buyers.
- Seller financing. A fit when you own your home outright, or the buyer’s down payment would cover your payoff. You get the down payment at closing and monthly payments after, using the example terms you set.
- Traditional sale with agents. The same price, minus a typical listing commission and the same closing costs, so you can see what selling directly changes.
Every figure is a typical range for planning, not a quote. The math comes from the same engine Clavesta uses in its app, and the sources are listed under “How we estimate”.
Frequently asked questions
What are my options to sell my house without an agent?
On Clavesta, every home is for sale directly: buyers pay cash or use their own bank loan. Depending on your mortgage, two more options can widen your pool of buyers: letting a buyer take over your FHA, VA or USDA loan (an assumable mortgage), or offering seller financing if you own your home outright or owe little on it.
Can I offer seller financing if I still have a mortgage?
Usually only if the balance is small. Most mortgages have to be paid off when the home sells, so the buyer’s down payment would need to cover your payoff. If you owe more than that, seller financing is hard, and a direct sale or an assumable loan may fit better.
Can a buyer take over my mortgage?
Many FHA, VA and USDA loans can be assumed with the servicer’s approval, and the buyer keeps your rate. Most conventional loans can’t; ask your servicer. The buyer pays you the equity gap, the price minus the balance, in cash or with a second loan.
How much would I save compared with using an agent?
The listing agent’s commission alone 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. You still pay closing costs, like title and escrow, to the providers you choose. Clavesta’s fees are flat and one-time. They’re never a percentage of your price and never charged at closing.
Is the seller financing example a recommendation?
No. It’s an example assumption to show how the math works: adjust it to your situation. You and the buyer decide the terms, and a licensed loan originator and a real estate attorney help put them in writing.
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.
- Free, no obligation
- Your address stays private
- Verified buyers only