The money side
What you actually walk away with when you sell.
The sale price is not the number that matters. What matters is your net, the money that lands in your account after the loan payoff and the costs of selling. Here is how that math works, and how I make sure there are no surprises.
Your sale price
The starting number, set by real comparable sales in your neighborhood from the last 60 days. Not an automated estimate, and not a flattering number picked to win your listing.
Your loan payoff
Whatever is left on your mortgage comes off the top. We pull an exact payoff figure from your lender so the math is real, not rounded.
The cost of selling
Commission, which is negotiable and agreed in writing up front, plus a small Virginia grantor’s tax, title and settlement fees, and prorated property taxes. All paid from proceeds at closing.
Your net proceeds
What is left after the payoff and the costs is what actually lands in your account. This is the number that matters, and the one we plan around from day one.
The honest math
Before you ever sign a listing agreement, I hand you a net sheet: your likely sale price, minus your payoff, minus every cost of selling. You know your real take-home number up front, so there are no guesses and no surprises at the closing table.
Every home and closing is different. Your net sheet uses your actual loan payoff and today’s local numbers, not estimates.
