Seller Closing Cost Calculator for Georgia (2022 Data)

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Estimate your closing costs and net sales proceeds with our Georgia seller closing cost calculator.

Many factors can impact exact pricing and the closing costs you’ll pay. Fees and realtor rates vary depending on your market, county, home sales price, and property taxes.

Georgia seller closing cost calculator

Georgia closing cost estimator breakdown

Realtor commission fees (5.76%)

In addition to closing costs, you should expect to pay an average of 5.76% on realtor fees in Georgia.

Realtor commissions are usually the single biggest expense in a real estate transaction. The 5.76% fee covers the cost of both your listing agent and the buyer's agent. According to the 2024 NAR settlement, buyers now negotiate rates separately with their agent. However, they will typically ask you to include their agent fees in the costs of the transaction, so they don't have to bring extra cash out of pocket.

» MORE: Learn how realtor commissions work

Home warranty ($300–$600)

Protecting your home’s major systems and appliances is a great preventative measure when selling an older home. You can purchase a seller’s home warranty offering coverage while your house is on the market to safeguard your finances in case of an unexpected issue. Sellers may purchase a buyer’s home warranty as a selling incentive, as it protects the new owner for the first year of ownership.

Georgia transfer tax (0.10%)

Many state and local governments nationwide impose taxes on most real property transfers to help fund their functions, services, salaries, or other expenditures. In Georgia, the effective rate is 0.10% of the home’s value when it exceeds $100,000. The actual charge is $1 on the first $1,000, then $0.10 per every $100 (or portion of $100) of the remaining sale price.^[2]

For example, the transfer tax on a $319,431 home is $319.50.

Real estate tax proration

Georgia homeowners pay their property taxes at the end of the calendar year. The bill, covering taxes for the current year (January through December), is generally due on December 20 of the effective year. You’ll need to bring funds to cover the prorated tax amount through the closing date.

If you close on September 30, you must credit the buyer 9 months of taxes to cover the time you owned the home. The buyer will add the 3 months of taxes to your funds to pay the full tax bill in December.

Owner's title insurance (0.365%)

The buyer is responsible for the lender’s title policy. But buying an owner’s policy is common practice among home sellers. Owner’s title insurance reassures your buyer you’re giving them a clean, marketable title. They will be protected if anyone makes claims against ownership of the home. Pricing averages $3.65 per $1,000 of the home value for homes priced between $100,000 and $500,000. But most title companies offer discounts for purchasing owner's and lender's policies simultaneously.

» MORE: Estimate title insurance and GA intangible (mortgage) taxes

Seller assist (up to 6%)

Seller assist is an optional credit to the home buyer. It’s subject to set maximums, depending on loan type and down payment. Some loans don’t allow seller concessions at all. But conventional loans permit up to 3% in seller assist if the buyer can make a 3% or higher down payment. A 6% seller concession maximum applies for FHA loans and conventional loan borrowers who put down at least 10% of the purchase price. Buyers may not receive more than their total closing costs in seller assist funds.

Miscellaneous costs

Georgia home sellers may also be responsible for various other costs at closing, such as:

• Title search: $100–$200
• Municipal lien search: $100–$200
• Closing/settlement fees: $350–$600
• Courier/overnight fees: $25–$100
• Loan payoff
• Loan conveyance fee: $50–$65
• Reconveyance deed recording fee: $10–$20
• HOA fees

How to save on Georgia seller closing costs

✅ Sell with a low-commission realtor

Your biggest expenses as a home seller are probably your mortgage payoff and realtor commissions. Unfortunately, you may be unable to lower your loan balance at this stage. Still, you have options regarding realtor listing fees. The standard rate is 2.5–3%. Yet many qualified low-commission listing agents work for lower rates or flat fees.

Clever Real Estate can match you with seasoned agents who will help sell your home for 1.5% of the sales price. That can lower your total Georgia commission rate from 5–6% to a mere 3.5–4%, saving you thousands.

✅ Negotiate closing costs with the buyer

You can save on closing costs if you have a motivated and flexible buyer. Talk to your agent about negotiating payment of some of the closing costs with your buyer to lower your expenses and boost your net proceeds.

(Also try our Georgia seller closing cost calculator here.)

Georgia seller closing cost calculator FAQ