Sell without a realtor
Keep the listing commission and still have a clear path to closing. Clavesta matches you with verified buyers and guides both sides, step by step.
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).
What an agent does
Selling without an agent works when every part of the job has an owner. Here’s who does what.
An agent suggests a price.
See buyer interest near you and which ways to sell fit your mortgage, then set your own price.
An agent markets the home and screens buyers.
Clavesta matches you with buyers whose price, options and timing fit, and every buyer verifies who they are.
An agent writes up offers and counteroffers.
You and the buyer agree on terms yourselves, with the math shown. A real estate attorney or title company puts the contract in writing.
An agent keeps the deal on schedule.
Your Deal Path guides you both through every step: where you are, what’s next, who to contact, typical cost and time, and suggested providers you’re free to choose.
Three ways to sell
Every buyer can make an offer with cash or a bank loan. If your mortgage allows, a buyer taking over your loan or seller financing can widen the pool.
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 worksStep by step
You stay in charge, and your Deal Path guides you through every step. Licensed pros you choose handle the regulated parts.
The full steps, with timelinesEnter your price and mortgage in the free options tool. See which ways to sell fit, what you’d net and the commission you’d keep.
Verify your identity and that you own the home. Your listing goes live with your price and options; the exact address stays private.
Buyers whose price, options and timing fit are matched with you. Chat and schedule viewings in the app.
You and the buyer agree on price and terms yourselves. A real estate attorney or title company prepares the contract.
Your Deal Path guides you both through every step to the keys, and a title company or closing attorney you choose handles the closing.
Clavesta’s fees are flat and one-time. They’re never a percentage of your price and never charged at closing.
Your Clavesta fee covers verification, matching, messaging, the Deal Path that guides you through every step to the keys, and the tools.
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.
Creating an account is free. The app always shows the current price before you pay.
Yes. Homeowners can sell their own home without a real estate agent. A title company or, in some states, a closing attorney handles the closing, and a real estate attorney can review your contract.
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. Both agents together usually cost about $21,500–$23,600. If you’d otherwise have used agents. If you hire your own agent, you’d pay them.
Closing costs, paid to the providers you choose: sellers’ costs, not counting commission, typically run about 1%–3% of the price (Redfin, 2026). Clavesta’s fee is flat and one-time: $49 for sellers. Clavesta’s fees are flat and one-time. They’re never a percentage of your price and never charged at closing.
You and the buyer agree on the terms, and a real estate attorney or title company prepares the contract. Most states ask sellers to disclose known problems with the home, and homes built before 1978 need a lead-based paint disclosure. An attorney can tell you what your state requires.
That’s fine. Since August 17, 2024, buyers sign a written agreement with their agent, and pay is negotiated deal by deal. You decide whether to contribute; the options tool shows how it changes your net. Clavesta doesn’t negotiate or suggest the amount.
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.