Agent vs Cash: Home Sale Calculator

Your expected or appraised sale price before any deductions.

The remaining balance owed on your mortgage at closing.

How quickly you need to close the sale.

Total commission split between buyer's and seller's agents.

Title fees, escrow, transfer taxes, and other seller-paid costs.

Government and title company fees due at closing — varies by state and county.

Credits or repairs you agree to cover for the buyer after inspection or negotiation.

Pre-listing repairs to maximize sale price — scales with home value.

Average time from listing to final closing, typically 6–12 months.

Mortgage payment + property taxes + insurance + utilities while listed.

With a cash investor, the sale price reflects a discount for the convenience of a fast, as-is sale with no commissions, repairs, or uncertainty.

Minimal costs (notary, title) — typically $400.

Most cash sales close in 2–3 weeks.