For sellers · Direct sale
Every home on Clavesta is for sale directly to verified buyers paying cash or with their own bank loan. Based on your mortgage, we suggest two more options that can bring more buyers.
Savings first
You skip the listing agent’s commission and pay Clavesta one flat fee. Closing costs, like title and escrow, still go to the providers you choose.
Estimate your costs and savingsListing 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).
Three ways to sell
You don’t pick a financing type up front. Tell us about your mortgage, and Clavesta suggests the options that fit, with the savings, cash flow and trade-offs spelled out.
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 worksNo surprises
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).
Estimates are typical ranges for planning, not quotes.
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.
If seller financing fits
When you carry the loan, the buyer pays you instead of a bank. For many owners, that steady income is the whole point.
Instead of one lump sum, you receive principal and interest each month, collected by a professional loan servicer.
Buyers who don’t fit bank rules typically pay market rates, which can be more than savings accounts or CDs pay.
The note is secured by a lien on the property. If payments stop, you can foreclose and take the home back.
Offering financing opens your home to buyers a bank won’t serve, which can help it sell.
Choose the down payment, rate, length and any balloon payment. Carry all of the loan or just part of it.
Buyers may refinance with a bank once they qualify, which pays off your note in full ahead of schedule.
How tax fits in
If you’re selling your main home and your gain is covered by the home sale exclusion (up to $250,000, or $500,000 for married couples filing jointly, if you qualify), that gain isn’t taxed whether you’re paid at closing or over time. The interest you earn is taxed as ordinary income, just like interest from a CD.
So for most sellers, the decision is about income, risk and access to cash, not tax.
Tax rules have conditions. Talk with a CPA before you decide.
The honest part
You should know the downsides before you decide. Here’s what can go wrong, and what lowers the risk.
Buyers who can’t get a bank loan carry more risk. A large down payment, an ability-to-repay check, escrowed taxes and insurance, and professional servicing all lower it.
You’re paid over years, not at closing. Notes can be sold if you need cash, usually at a discount.
A fixed monthly payment buys less over a long term. Shorter terms or a balloon payment reduce this.
Depending on your state, taking a home back can take months to years, plus legal costs.
Safeguards we build into every deal on Clavesta:
How it works
Clavesta shows the math and guides you both through every step to the keys, the step-by-step help people usually hire an agent for. You and the buyer decide, and you keep the commission.
The steps of a direct home saleTell us about your home and your mortgage. See which ways to sell fit and what you’d keep, before you sign up.
Every buyer can offer cash or a bank loan. Turn on an assumable loan or seller financing if they fit; the Deal Designer shows the numbers.
We confirm your identity and ownership. Your exact address stays private until there’s a match.
Talk with verified buyers and agree on terms yourselves. Your Deal Path guides you both through every step to the keys: where you are, what’s next and who to contact. A title company and other licensed pros you choose handle the closing.
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.
No. On Clavesta you sell directly to verified buyers, so there’s no listing commission to pay. If you’d otherwise have used agents. If you hire your own agent, you’d pay them. Your Deal Path guides you and the buyer through every step, from first match 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. Sellers pay one fee: Clavesta Verified, $49. Your closing costs, typically about 1%–3% of the price not counting commission (Redfin, 2026), go to the providers you choose.
Neither. Clavesta is a technology platform. It shows your options and the math, and matches you with verified buyers. You and the buyer decide, your Deal Path guides you both through every step, and licensed professionals you choose finalize and close.
A private, in-app look at buyer interest near your home, shown as verified buyers join. When only a few buyers are nearby, we describe interest in general terms instead of showing small numbers.
Sometimes. Most mortgages have a due-on-sale clause, so the existing loan usually has to be paid off at closing, which works when the buyer’s down payment covers your payoff. Ask a real estate attorney before you commit to a structure.
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.