How Much Will I Keep When I Sell My San Antonio Home?

One buyer offers $400,000 and asks for $12,000 toward closing costs. Another offers $393,000 and asks for $3,000.

The $393,000 offer leaves you with $2,000 more after buyer credits. The gap can widen if the same percentage brokerage fee applies to both offers or if you're paying a lower title premium on the second offer.

What could change before closing?

The decision sheet shows what each offer could pay and how easily that lead could disappear. Here's what we look at before you choose.

The appraisal

If the buyer is financing, the lender orders an appraisal. If it comes in low, you may be asked to lower the price. We look at whether the offer says who covers a gap between the appraisal and the price.

The financing

The type of loan, how far along the approval is, and how much the buyer is putting down all affect whether the loan closes on time. A well-documented approval can be worth more than a few thousand dollars in price.

The option period

During the option period, the buyer can end the contract for any reason. A longer option period keeps your home off the market longer with less certainty. We compare the length and the option fee.

The closing date

A higher offer that closes after your next purchase can cost you more in a second move, temporary housing, or an extra mortgage payment than it adds in price.

What comes out of your sale price in Texas?

Mortgage payoff. The balance on your loan, plus interest through the payoff date. Your lender provides the exact figure.
Brokerage fees. Whatever you agreed to in your listing agreement. Brokerage compensation is negotiable.
Owner's title policy. Texas sets the premium rates, and the buyer and seller can negotiate who pays. Your title company can give you the exact amount.
Prorated property taxes. Current year property taxes are typically split through the closing date. Your title company will show your share on the closing statement.
Buyer credits and repairs. Closing cost requests and repair credits come straight off what you receive.
HOA and other fees. Resale certificates, transfer fees, and any survey or document charges you agree to pay.

See what you'd keep from your home.

We'll compare what you could keep and flag the terms that could change it.

Get my seller net sheet

Estimates for comparison only, not a guarantee of price or proceeds. Brokerage compensation is negotiable and is not set by law. Final figures come from your title company and lender.

Get My Seller Net Sheet

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