{"id":22863,"date":"2026-05-20T07:29:09","date_gmt":"2026-05-20T11:29:09","guid":{"rendered":"https:\/\/ibuyer.com\/blog\/?p=22863"},"modified":"2026-05-20T07:29:10","modified_gmt":"2026-05-20T11:29:10","slug":"new-mexico-seller-closing-costs","status":"publish","type":"post","link":"https:\/\/ibuyer.com\/blog\/new-mexico-seller-closing-costs\/","title":{"rendered":"New Mexico Seller Closing Costs: Complete Guide for 2026"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"h-estimate-your-new-mexico-seller-closing-costs-instantly\">Estimate your New Mexico seller closing costs instantly<\/h2>\n\n\n\n<p>Many sellers focus on the final sale price, but what really matters is how much you actually walk away with. Between agent commissions, title fees, and taxes, closing costs can take a significant bite out of your proceeds. And for many sellers, those numbers only become clear at the very end, when there\u2019s little room to adjust.<\/p>\n\n\n\n<p>In New Mexico, seller closing costs typically range from 6% to 10% of the home\u2019s sale price. That\u2019s a substantial amount, especially on <a href=\"https:\/\/ibuyer.com\/blog\/how-to-increase-home-value\/\" target=\"_blank\" rel=\"noreferrer noopener\">higher-value homes<\/a>. The good news is that with the right strategy, you can estimate these costs early, avoid surprises, and even reduce what you pay.<\/p>\n\n\n\n<p>A New Mexico seller&#8217;s closing costs calculator helps you do exactly that. By factoring in your home price, mortgage balance, and expected fees, you can get a clear picture of your net proceeds before you list.<\/p>\n\n\n<div class=\"card my-5 shadow-lg\">\n  <div class=\"card-body py-md-4\">\n    <div class=\"row align-items-center justify-content-center py-md-3 py-lg-2 py-xl-3\">\n      <div class=\"col-12\">\n        <p class=\"mb-4 h3 text-center\">\n          <span class=\"h4 text-primary font-weight-bold\">Instant Valuation, Confidential Deals<\/span>\n          <span class=\"mt-2 d-block font-weight-normal text-muted\">with a Certified <span class=\"d-inline-block\">iBuyer.com Specialist.<\/span><\/span>\n        <\/p>\n      <\/div>\n\n      <div class=\"col-12\">\n        <div class=\"ui-v2 search-address-form bg-white py-0\">\n          <div class=\"row justify-content-md-center\">\n            <div class=\"col-12 col-md-7 pr-md-2\">\n              <div class=\"input-group mb-0 shadow-sm\">\n                <div class=\"input-group-prepend\">\n                  <div class=\"input-group-text bg-white border-right-0\">\n                    <div class=\"icon\">\n                      <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-geo-alt-fill\" viewBox=\"0 0 16 16\"><path d=\"M8 16s6-5.686 6-10A6 6 0 0 0 2 6c0 4.314 6 10 6 10zm0-7a3 3 0 1 1 0-6 3 3 0 0 1 0 6z\"><\/path><\/svg>\n                    <\/div>\n                  <\/div>\n                <\/div>\n\n                <input type=\"text\" id=\"autocomplete5\" class=\"form-control form-control-lg px-0\" placeholder=\"Enter your home address\" autocomplete=\"off\" v-on:change=\"onAddressChange($event)\" v-on:keydown.enter=\"searchMyAddress($event)\" onfocus=\"this.autocomplete='smartystreets'\">\n\n                <div class=\"input-group-append\">\n                  <div class=\"input-group-text bg-white border-left-0 p-0\">\n                    <button type=\"reset\" id=\"clear-address-btn5\" class=\"btn px-2 h-100\" name=\"clear\">\n                      <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-x\" viewBox=\"0 0 16 16\"><path d=\"M4.646 4.646a.5.5 0 0 1 .708 0L8 7.293l2.646-2.647a.5.5 0 0 1 .708.708L8.707 8l2.647 2.646a.5.5 0 0 1-.708.708L8 8.707l-2.646 2.647a.5.5 0 0 1-.708-.708L7.293 8 4.646 5.354a.5.5 0 0 1 0-.708z\"><\/path><\/svg>\n                    <\/button>\n                  <\/div>\n                <\/div>\n              <\/div>\n\n              <ul class=\"us-autocomplete-pro-menu5 autocomplete-menu\" style=\"display:none;\"><\/ul>\n            <\/div>\n\n            <div class=\"col-12 col-md-auto pl-md-2\">\n              <button type=\"button\" id=\"disabledHomeValue5\" class=\"btn btn-primary btn-lg btn-block mt-3 mt-md-0\" v-on:click=\"searchMyAddress($event)\" disabled=\"\">\n                Get My Home Value\n              <\/button>\n            <\/div>\n          <\/div>\n        <\/div>\n\n        <p class=\"h5 mt-4 mb-0 text-center font-weight-bold text-info\">\n          Sell Smart, Sell Fast, Get Sold. <span class=\"d-inline-block\">No Obligations.<\/span>\n        <\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2>Seller Closing Costs<\/h2><ul><li><a href=\"#h-estimate-your-new-mexico-seller-closing-costs-instantly\" data-level=\"2\">Estimate your New Mexico seller closing costs instantly<\/a><\/li><li><a href=\"#h-how-much-are-seller-closing-costs-in-new-mexico\" data-level=\"2\">How much are seller closing costs in New Mexico?<\/a><\/li><li><a href=\"#h-what-are-seller-closing-costs-in-new-mexico\" data-level=\"2\">What are seller closing costs in New Mexico?<\/a><\/li><li><a href=\"#h-new-mexico-seller-closing-costs-breakdown\" data-level=\"2\">New Mexico seller closing costs breakdown<\/a><\/li><li><a href=\"#h-example-seller-closing-costs-in-new-mexico\" data-level=\"2\">Example seller closing costs in New Mexico<\/a><\/li><li><a href=\"#h-how-to-calculate-your-net-proceeds\" data-level=\"2\">How to calculate your net proceeds<\/a><\/li><li><a href=\"#h-how-the-new-mexico-closing-cost-calculator-works\" data-level=\"2\">How the New Mexico closing cost calculator works<\/a><\/li><li><a href=\"#h-what-affects-your-seller-closing-costs-in-new-mexico\" data-level=\"2\">What affects your seller closing costs in New Mexico?<\/a><\/li><li><a href=\"#h-who-pays-closing-costs-in-new-mexico\" data-level=\"2\">Who pays closing costs in New Mexico?<\/a><\/li><li><a href=\"#h-when-are-seller-closing-costs-paid\" data-level=\"2\">When are seller closing costs paid?<\/a><\/li><li><a href=\"#h-how-to-reduce-seller-closing-costs-in-new-mexico\" data-level=\"2\">How to reduce seller closing costs in New Mexico<\/a><\/li><li><a href=\"#h-new-mexico-vs-other-states-how-closing-costs-compare\" data-level=\"2\">New Mexico vs other states: how closing costs compare<\/a><\/li><li><a href=\"#h-frequently-asked-questions\" data-level=\"2\">Frequently Asked Questions<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-much-are-seller-closing-costs-in-new-mexico\">How much are seller closing costs in New Mexico?<\/h2>\n\n\n\n<p>On average, sellers in New Mexico pay between 6% and 10% of the final sale price in closing costs. The majority of this comes from real estate agent commissions, which typically account for around 5% to 6%. The remaining costs, usually between 1% and 4%, cover title services, taxes, and other transaction-related expenses.<\/p>\n\n\n\n<p>What makes New Mexico unique is that the state does not impose a real estate transfer tax, which helps reduce seller expenses compared to states with higher transaction taxes. However, sellers are still responsible for title-related costs, <a href=\"https:\/\/www.firstam.com\/home-buying-guide\/What-Is-Escrow-How-It-Works-in-a-Home-Purchase\/\" target=\"_blank\" rel=\"noreferrer noopener\">escrow fees,<\/a> and prorated property taxes, which can add up depending on the value of the property.<\/p>\n\n\n\n<p>Another important factor is property taxes. New Mexico property tax rates are generally lower than the national average, but sellers are still responsible for their share up to the closing date. This can affect your final proceeds depending on the timing of the sale.<\/p>\n\n\n\n<div id=\"scc-wrap\" style=\"font-family:'Mukta',Arial,sans-serif;font-size:15px;line-height:1.5;color:#404040;max-width:560px;margin:0 auto 32px;\">\n<div style=\"background:#fff;border:1px solid #ddd;border-radius:8px;overflow:hidden;\">\n\n  <!-- progress bar -->\n  <div id=\"scc-progress\" style=\"display:flex;padding:14px 16px 0;gap:6px;\">\n    <div id=\"scc-pip0\" style=\"flex:1;height:3px;border-radius:2px;background:#4a7c59;\"><\/div>\n    <div id=\"scc-pip1\" style=\"flex:1;height:3px;border-radius:2px;background:#ddd;\"><\/div>\n    <div id=\"scc-pip2\" style=\"flex:1;height:3px;border-radius:2px;background:#ddd;\"><\/div>\n    <div id=\"scc-pip3\" style=\"flex:1;height:3px;border-radius:2px;background:#ddd;\"><\/div>\n  <\/div>\n\n  <!-- STEP 1: Location, home & mortgage -->\n  <div id=\"scc-step0\" style=\"padding:16px;\">\n    <p style=\"font-size:11px;font-weight:600;letter-spacing:0.06em;text-transform:uppercase;color:#999;margin:0 0 4px;\">Step 1 of 4<\/p>\n    <p style=\"font-size:17px;font-weight:600;color:#404040;margin:0 0 20px;\">Location, home &amp; mortgage<\/p>\n\n    <div style=\"margin-bottom:20px;\">\n      <div style=\"display:flex;justify-content:space-between;align-items:baseline;margin-bottom:6px;\">\n        <span style=\"font-size:13px;color:#666;\">State<\/span>\n      <\/div>\n      <select id=\"scc-s-state\" onchange=\"sccChangeState()\"\n        style=\"width:100%;padding:9px 10px;border:1px solid #ccc;border-radius:6px;font-family:'Mukta',Arial,sans-serif;font-size:14px;color:#404040;background:#fff;cursor:pointer;\">\n        <option value=\"default\">National average<\/option>\n      <\/select>\n      <p style=\"font-size:11px;color:#999;margin:6px 0 0;\">Sets typical defaults for taxes, fees &amp; commission rates. You can adjust any value.<\/p>\n    <\/div>\n\n    <div style=\"margin-bottom:20px;\">\n      <div style=\"display:flex;justify-content:space-between;align-items:baseline;margin-bottom:6px;\">\n        <span style=\"font-size:13px;color:#666;\">Home sale price<\/span>\n        <span id=\"scc-v-price\" style=\"font-size:16px;font-weight:600;color:#404040;\">$350,000<\/span>\n      <\/div>\n      <input type=\"range\" id=\"scc-s-price\" min=\"50000\" max=\"1500000\" step=\"5000\" value=\"350000\"\n        oninput=\"sccUpd('price');sccRecalcStateDefaults();\"\n        style=\"width:100%;accent-color:#4a7c59;cursor:pointer;\">\n      <div style=\"display:flex;justify-content:space-between;margin-top:2px;\">\n        <span style=\"font-size:11px;color:#aaa;\">$50k<\/span>\n        <span style=\"font-size:11px;color:#aaa;\">$750k<\/span>\n        <span style=\"font-size:11px;color:#aaa;\">$1.5M<\/span>\n      <\/div>\n    <\/div>\n\n    <div style=\"margin-bottom:20px;\">\n      <div style=\"display:flex;justify-content:space-between;align-items:baseline;margin-bottom:6px;\">\n        <span style=\"font-size:13px;color:#666;\">Remaining mortgage<\/span>\n        <span id=\"scc-v-mortgage\" style=\"font-size:16px;font-weight:600;color:#404040;\">$200,000<\/span>\n      <\/div>\n      <input type=\"range\" id=\"scc-s-mortgage\" min=\"0\" max=\"1400000\" step=\"5000\" value=\"200000\"\n        oninput=\"sccUpd('mortgage')\"\n        style=\"width:100%;accent-color:#4a7c59;cursor:pointer;\">\n      <div style=\"display:flex;justify-content:space-between;margin-top:2px;\">\n        <span style=\"font-size:11px;color:#aaa;\">$0<\/span>\n        <span style=\"font-size:11px;color:#aaa;\">$700k<\/span>\n        <span style=\"font-size:11px;color:#aaa;\">$1.4M<\/span>\n      <\/div>\n    <\/div>\n\n    <button onclick=\"sccGo(1)\"\n      style=\"width:100%;padding:11px;background:#2e6e3e;border:none;border-radius:6px;font-family:'Mukta',Arial,sans-serif;font-size:15px;font-weight:600;color:#fff;cursor:pointer;\">\n      Next: Agent &amp; taxes &#8594;\n    <\/button>\n  <\/div>\n\n  <!-- STEP 2: Commission & taxes -->\n  <div id=\"scc-step1\" style=\"display:none;padding:16px;\">\n    <p style=\"font-size:11px;font-weight:600;letter-spacing:0.06em;text-transform:uppercase;color:#999;margin:0 0 4px;\">Step 2 of 4<\/p>\n    <p style=\"font-size:17px;font-weight:600;color:#404040;margin:0 0 6px;\">Agent commission &amp; taxes<\/p>\n    <div id=\"scc-state-badge\" style=\"display:inline-flex;align-items:center;gap:5px;background:#f4f6f8;border:1px solid #ddd;border-radius:20px;padding:3px 10px;font-size:12px;color:#666;margin-bottom:16px;\">\n      <span style=\"width:7px;height:7px;border-radius:50%;background:#4a7c59;display:inline-block;\"><\/span>\n      <span id=\"scc-state-name\">National average<\/span>\n    <\/div>\n\n    <div style=\"margin-bottom:20px;\">\n      <div style=\"display:flex;justify-content:space-between;align-items:baseline;margin-bottom:6px;\">\n        <span style=\"font-size:13px;color:#666;\">Listing agent commission<\/span>\n        <span id=\"scc-v-lcommission\" style=\"font-size:16px;font-weight:600;color:#404040;\">2.75%<\/span>\n      <\/div>\n      <input type=\"range\" id=\"scc-s-lcommission\" min=\"0\" max=\"4\" step=\"0.05\" value=\"2.75\"\n        oninput=\"sccUpd('lcommission')\"\n        style=\"width:100%;accent-color:#4a7c59;cursor:pointer;\">\n      <div style=\"display:flex;justify-content:space-between;margin-top:2px;\">\n        <span style=\"font-size:11px;color:#aaa;\">0%<\/span>\n        <span style=\"font-size:11px;color:#aaa;\">2%<\/span>\n        <span style=\"font-size:11px;color:#aaa;\">4%<\/span>\n      <\/div>\n    <\/div>\n\n    <div style=\"margin-bottom:20px;\">\n      <div style=\"display:flex;justify-content:space-between;align-items:baseline;margin-bottom:6px;\">\n        <span style=\"font-size:13px;color:#666;\">Buyer-agent commission offer<\/span>\n        <span id=\"scc-v-bcommission\" style=\"font-size:16px;font-weight:600;color:#404040;\">2.75%<\/span>\n      <\/div>\n      <input type=\"range\" id=\"scc-s-bcommission\" min=\"0\" max=\"3.5\" step=\"0.05\" value=\"2.75\"\n        oninput=\"sccUpd('bcommission')\"\n        style=\"width:100%;accent-color:#4a7c59;cursor:pointer;\">\n      <div style=\"display:flex;justify-content:space-between;margin-top:2px;\">\n        <span style=\"font-size:11px;color:#aaa;\">0%<\/span>\n        <span style=\"font-size:11px;color:#aaa;\">1.75%<\/span>\n        <span style=\"font-size:11px;color:#aaa;\">3.5%<\/span>\n      <\/div>\n      <p style=\"font-size:11px;color:#999;margin:4px 0 0;\">Optional since the Aug 2024 NAR settlement \u2014 sellers are no longer required to offer buyer-agent compensation, but most still do to attract offers.<\/p>\n    <\/div>\n\n    <div style=\"margin-bottom:20px;\">\n      <div style=\"display:flex;justify-content:space-between;align-items:baseline;margin-bottom:6px;\">\n        <span style=\"font-size:13px;color:#666;\">Transfer tax<\/span>\n        <span id=\"scc-v-tax\" style=\"font-size:16px;font-weight:600;color:#404040;\">0.50%<\/span>\n      <\/div>\n      <input type=\"range\" id=\"scc-s-tax\" min=\"0\" max=\"3\" step=\"0.01\" value=\"0.5\"\n        oninput=\"sccUpd('tax')\"\n        style=\"width:100%;accent-color:#4a7c59;cursor:pointer;\">\n      <div style=\"display:flex;justify-content:space-between;margin-top:2px;\">\n        <span style=\"font-size:11px;color:#aaa;\">0%<\/span>\n        <span style=\"font-size:11px;color:#aaa;\">1.5%<\/span>\n        <span style=\"font-size:11px;color:#aaa;\">3%<\/span>\n      <\/div>\n    <\/div>\n\n    <div style=\"margin-bottom:20px;\">\n      <div style=\"display:flex;justify-content:space-between;align-items:baseline;margin-bottom:6px;\">\n        <span style=\"font-size:13px;color:#666;\">Seller concessions<\/span>\n        <span id=\"scc-v-concessions\" style=\"font-size:16px;font-weight:600;color:#404040;\">0.0%<\/span>\n      <\/div>\n      <input type=\"range\" id=\"scc-s-concessions\" min=\"0\" max=\"6\" step=\"0.1\" value=\"0\"\n        oninput=\"sccUpd('concessions')\"\n        style=\"width:100%;accent-color:#4a7c59;cursor:pointer;\">\n      <div style=\"display:flex;justify-content:space-between;margin-top:2px;\">\n        <span style=\"font-size:11px;color:#aaa;\">0%<\/span>\n        <span style=\"font-size:11px;color:#aaa;\">3%<\/span>\n        <span style=\"font-size:11px;color:#aaa;\">6%<\/span>\n      <\/div>\n    <\/div>\n\n    <div style=\"display:flex;gap:8px;\">\n      <button onclick=\"sccGo(0)\"\n        style=\"padding:11px 16px;background:#fff;border:1px solid #ccc;border-radius:6px;font-family:'Mukta',Arial,sans-serif;font-size:14px;color:#666;cursor:pointer;\">\n        &#8592; Back\n      <\/button>\n      <button onclick=\"sccGo(2)\"\n        style=\"flex:1;padding:11px;background:#2e6e3e;border:none;border-radius:6px;font-family:'Mukta',Arial,sans-serif;font-size:15px;font-weight:600;color:#fff;cursor:pointer;\">\n        Next: Other fees &#8594;\n      <\/button>\n    <\/div>\n  <\/div>\n\n  <!-- STEP 3: Fees & other costs -->\n  <div id=\"scc-step2\" style=\"display:none;padding:16px;\">\n    <p style=\"font-size:11px;font-weight:600;letter-spacing:0.06em;text-transform:uppercase;color:#999;margin:0 0 4px;\">Step 3 of 4<\/p>\n    <p style=\"font-size:17px;font-weight:600;color:#404040;margin:0 0 20px;\">Title &amp; closing fees<\/p>\n\n    <div style=\"margin-bottom:20px;\">\n      <div style=\"display:flex;justify-content:space-between;align-items:baseline;margin-bottom:6px;\">\n        <span style=\"font-size:13px;color:#666;\">Owner&#8217;s title insurance<\/span>\n        <span id=\"scc-v-titleins\" style=\"font-size:16px;font-weight:600;color:#404040;\">$0<\/span>\n      <\/div>\n      <input type=\"range\" id=\"scc-s-titleins\" min=\"0\" max=\"15000\" step=\"50\" value=\"0\"\n        oninput=\"sccUpd('titleins')\"\n        style=\"width:100%;accent-color:#4a7c59;cursor:pointer;\">\n      <div style=\"display:flex;justify-content:space-between;margin-top:2px;\">\n        <span style=\"font-size:11px;color:#aaa;\">$0<\/span>\n        <span style=\"font-size:11px;color:#aaa;\">$7.5k<\/span>\n        <span style=\"font-size:11px;color:#aaa;\">$15k<\/span>\n      <\/div>\n      <p id=\"scc-titleins-note\" style=\"font-size:11px;color:#999;margin:4px 0 0;\">Who pays varies by state and negotiation.<\/p>\n    <\/div>\n\n    <div style=\"margin-bottom:20px;\">\n      <div style=\"display:flex;justify-content:space-between;align-items:baseline;margin-bottom:6px;\">\n        <span style=\"font-size:13px;color:#666;\">Escrow &amp; attorney fees<\/span>\n        <span id=\"scc-v-title\" style=\"font-size:16px;font-weight:600;color:#404040;\">$2,500<\/span>\n      <\/div>\n      <input type=\"range\" id=\"scc-s-title\" min=\"0\" max=\"8000\" step=\"100\" value=\"2500\"\n        oninput=\"sccUpd('title')\"\n        style=\"width:100%;accent-color:#4a7c59;cursor:pointer;\">\n      <div style=\"display:flex;justify-content:space-between;margin-top:2px;\">\n        <span style=\"font-size:11px;color:#aaa;\">$0<\/span>\n        <span style=\"font-size:11px;color:#aaa;\">$4k<\/span>\n        <span style=\"font-size:11px;color:#aaa;\">$8k<\/span>\n      <\/div>\n    <\/div>\n\n    <div style=\"margin-bottom:20px;\">\n      <div style=\"display:flex;justify-content:space-between;align-items:baseline;margin-bottom:6px;\">\n        <span style=\"font-size:13px;color:#666;\">Recording \/ misc. fees<\/span>\n        <span id=\"scc-v-misc\" style=\"font-size:16px;font-weight:600;color:#404040;\">$500<\/span>\n      <\/div>\n      <input type=\"range\" id=\"scc-s-misc\" min=\"0\" max=\"2000\" step=\"50\" value=\"500\"\n        oninput=\"sccUpd('misc')\"\n        style=\"width:100%;accent-color:#4a7c59;cursor:pointer;\">\n      <div style=\"display:flex;justify-content:space-between;margin-top:2px;\">\n        <span style=\"font-size:11px;color:#aaa;\">$0<\/span>\n        <span style=\"font-size:11px;color:#aaa;\">$1k<\/span>\n        <span style=\"font-size:11px;color:#aaa;\">$2k<\/span>\n      <\/div>\n    <\/div>\n\n    <div style=\"display:flex;gap:8px;\">\n      <button onclick=\"sccGo(1)\"\n        style=\"padding:11px 16px;background:#fff;border:1px solid #ccc;border-radius:6px;font-family:'Mukta',Arial,sans-serif;font-size:14px;color:#666;cursor:pointer;\">\n        &#8592; Back\n      <\/button>\n      <button onclick=\"sccGo(3)\"\n        style=\"flex:1;padding:11px;background:#2e6e3e;border:none;border-radius:6px;font-family:'Mukta',Arial,sans-serif;font-size:15px;font-weight:600;color:#fff;cursor:pointer;\">\n        Next: Other costs &#8594;\n      <\/button>\n    <\/div>\n  <\/div>\n\n  <!-- STEP 4: Property & other costs -->\n  <div id=\"scc-step3\" style=\"display:none;padding:16px;\">\n    <p style=\"font-size:11px;font-weight:600;letter-spacing:0.06em;text-transform:uppercase;color:#999;margin:0 0 4px;\">Step 4 of 4<\/p>\n    <p style=\"font-size:17px;font-weight:600;color:#404040;margin:0 0 20px;\">Property &amp; other costs<\/p>\n\n    <div style=\"margin-bottom:20px;\">\n      <div style=\"display:flex;justify-content:space-between;align-items:baseline;margin-bottom:6px;\">\n        <span style=\"font-size:13px;color:#666;\">Prorated property taxes<\/span>\n        <span id=\"scc-v-proptax\" style=\"font-size:16px;font-weight:600;color:#404040;\">$0<\/span>\n      <\/div>\n      <input type=\"range\" id=\"scc-s-proptax\" min=\"0\" max=\"20000\" step=\"100\" value=\"0\"\n        oninput=\"sccUpd('proptax')\"\n        style=\"width:100%;accent-color:#4a7c59;cursor:pointer;\">\n      <div style=\"display:flex;justify-content:space-between;margin-top:2px;\">\n        <span style=\"font-size:11px;color:#aaa;\">$0<\/span>\n        <span style=\"font-size:11px;color:#aaa;\">$10k<\/span>\n        <span style=\"font-size:11px;color:#aaa;\">$20k<\/span>\n      <\/div>\n      <p id=\"scc-proptax-note\" style=\"font-size:11px;color:#999;margin:4px 0 0;\">Taxes owed for the portion of the year you owned the home, paid at closing.<\/p>\n    <\/div>\n\n    <div style=\"margin-bottom:20px;\">\n      <div style=\"display:flex;justify-content:space-between;align-items:baseline;margin-bottom:6px;\">\n        <span style=\"font-size:13px;color:#666;\">HOA transfer \/ estoppel fees<\/span>\n        <span id=\"scc-v-hoa\" style=\"font-size:16px;font-weight:600;color:#404040;\">$0<\/span>\n      <\/div>\n      <input type=\"range\" id=\"scc-s-hoa\" min=\"0\" max=\"2000\" step=\"25\" value=\"0\"\n        oninput=\"sccUpd('hoa')\"\n        style=\"width:100%;accent-color:#4a7c59;cursor:pointer;\">\n      <div style=\"display:flex;justify-content:space-between;margin-top:2px;\">\n        <span style=\"font-size:11px;color:#aaa;\">$0<\/span>\n        <span style=\"font-size:11px;color:#aaa;\">$1k<\/span>\n        <span style=\"font-size:11px;color:#aaa;\">$2k<\/span>\n      <\/div>\n      <p style=\"font-size:11px;color:#999;margin:4px 0 0;\">Common for condos &amp; HOA properties. Leave at $0 if not applicable.<\/p>\n    <\/div>\n\n    <div style=\"margin-bottom:20px;\">\n      <div style=\"display:flex;justify-content:space-between;align-items:baseline;margin-bottom:6px;\">\n        <span style=\"font-size:13px;color:#666;\">Repairs \/ warranty \/ other<\/span>\n        <span id=\"scc-v-repairs\" style=\"font-size:16px;font-weight:600;color:#404040;\">$0<\/span>\n      <\/div>\n      <input type=\"range\" id=\"scc-s-repairs\" min=\"0\" max=\"20000\" step=\"500\" value=\"0\"\n        oninput=\"sccUpd('repairs')\"\n        style=\"width:100%;accent-color:#4a7c59;cursor:pointer;\">\n      <div style=\"display:flex;justify-content:space-between;margin-top:2px;\">\n        <span style=\"font-size:11px;color:#aaa;\">$0<\/span>\n        <span style=\"font-size:11px;color:#aaa;\">$10k<\/span>\n        <span style=\"font-size:11px;color:#aaa;\">$20k<\/span>\n      <\/div>\n    <\/div>\n\n    <div style=\"display:flex;gap:8px;\">\n      <button onclick=\"sccGo(2)\"\n        style=\"padding:11px 16px;background:#fff;border:1px solid #ccc;border-radius:6px;font-family:'Mukta',Arial,sans-serif;font-size:14px;color:#666;cursor:pointer;\">\n        &#8592; Back\n      <\/button>\n      <button onclick=\"sccShowResult()\"\n        style=\"flex:1;padding:11px;background:#2e6e3e;border:none;border-radius:6px;font-family:'Mukta',Arial,sans-serif;font-size:15px;font-weight:600;color:#fff;cursor:pointer;\">\n        See my results &#8594;\n      <\/button>\n    <\/div>\n  <\/div>\n\n  <!-- RESULT -->\n  <div id=\"scc-result\" style=\"display:none;padding:16px;\">\n    <div style=\"display:inline-flex;align-items:center;gap:5px;background:#f4f6f8;border:1px solid #ddd;border-radius:20px;padding:3px 10px;font-size:12px;color:#666;margin-bottom:14px;\">\n      <span style=\"width:7px;height:7px;border-radius:50%;background:#4a7c59;display:inline-block;\"><\/span>\n      <span id=\"scc-r-state\">National average<\/span>\n    <\/div>\n\n    <table style=\"width:100%;border-collapse:collapse;margin-bottom:14px;table-layout:fixed;\">\n      <tr>\n        <td style=\"width:50%;padding-right:6px;vertical-align:top;\">\n          <div style=\"background:#f4f6f8;border-radius:6px;padding:12px 14px;\">\n            <div style=\"font-size:11px;color:#666;margin-bottom:3px;\">Total closing costs<\/div>\n            <div id=\"scc-r-total\" style=\"font-size:20px;font-weight:600;color:#b03030;\">&mdash;<\/div>\n          <\/div>\n        <\/td>\n        <td style=\"width:50%;padding-left:6px;vertical-align:top;\">\n          <div style=\"background:#f4f6f8;border-radius:6px;padding:12px 14px;\">\n            <div style=\"font-size:11px;color:#666;margin-bottom:3px;\">Estimated net proceeds<\/div>\n            <div id=\"scc-r-net\" style=\"font-size:20px;font-weight:600;color:#2e6e3e;\">&mdash;<\/div>\n          <\/div>\n        <\/td>\n      <\/tr>\n    <\/table>\n\n    <div style=\"border-top:1px solid #eee;padding-top:12px;\" id=\"scc-r-rows\"><\/div>\n\n    <button onclick=\"sccRestart()\"\n      style=\"width:100%;margin-top:14px;padding:9px;background:#fff;border:1px solid #ccc;border-radius:6px;font-family:'Mukta',Arial,sans-serif;font-size:13px;color:#666;cursor:pointer;\">\n      &#8592; Recalculate\n    <\/button>\n  <\/div>\n\n<\/div>\n<\/div>\n\n<script>\n(function(){\n  \/\/ State data:\n  \/\/  t  = transfer tax %\n  \/\/  e  = escrow\/attorney fees default ($)\n  \/\/  m  = recording\/misc fees default ($)\n  \/\/  c  = total agent commission % (split 50\/50 between listing & buyer-agent)\n  \/\/  pt = annual effective property tax rate %\n  \/\/  ti = owner's title insurance rate % of sale price\n  \/\/  tiPayer = 'seller' | 'buyer' | 'split'  (who customarily pays)\n  var SD={\n    \"alabama\":         {\"name\":\"Alabama\",         \"t\":0.10,\"e\":2200,\"m\":400,\"c\":5.5,\"pt\":0.41,\"ti\":0.50,\"tiPayer\":\"seller\"},\n    \"alaska\":          {\"name\":\"Alaska\",          \"t\":0.00,\"e\":2000,\"m\":400,\"c\":5.5,\"pt\":1.04,\"ti\":0.50,\"tiPayer\":\"seller\"},\n    \"arizona\":         {\"name\":\"Arizona\",         \"t\":0.00,\"e\":2500,\"m\":500,\"c\":5.5,\"pt\":0.63,\"ti\":0.50,\"tiPayer\":\"seller\"},\n    \"arkansas\":        {\"name\":\"Arkansas\",        \"t\":0.33,\"e\":2000,\"m\":400,\"c\":5.5,\"pt\":0.64,\"ti\":0.50,\"tiPayer\":\"seller\"},\n    \"california\":      {\"name\":\"California\",      \"t\":0.11,\"e\":3500,\"m\":600,\"c\":5.0,\"pt\":0.75,\"ti\":0.45,\"tiPayer\":\"split\"},\n    \"colorado\":        {\"name\":\"Colorado\",        \"t\":0.01,\"e\":2500,\"m\":500,\"c\":5.5,\"pt\":0.55,\"ti\":0.50,\"tiPayer\":\"split\"},\n    \"connecticut\":     {\"name\":\"Connecticut\",     \"t\":0.75,\"e\":3000,\"m\":500,\"c\":5.5,\"pt\":2.15,\"ti\":0.50,\"tiPayer\":\"buyer\"},\n    \"delaware\":        {\"name\":\"Delaware\",        \"t\":2.00,\"e\":2500,\"m\":500,\"c\":5.5,\"pt\":0.61,\"ti\":0.50,\"tiPayer\":\"buyer\"},\n    \"florida\":         {\"name\":\"Florida\",         \"t\":0.70,\"e\":2500,\"m\":500,\"c\":5.5,\"pt\":0.91,\"ti\":0.55,\"tiPayer\":\"seller\"},\n    \"georgia\":         {\"name\":\"Georgia\",         \"t\":0.10,\"e\":2500,\"m\":500,\"c\":5.5,\"pt\":0.92,\"ti\":0.50,\"tiPayer\":\"seller\"},\n    \"hawaii\":          {\"name\":\"Hawaii\",          \"t\":0.10,\"e\":3000,\"m\":500,\"c\":5.0,\"pt\":0.32,\"ti\":0.50,\"tiPayer\":\"seller\"},\n    \"idaho\":           {\"name\":\"Idaho\",           \"t\":0.00,\"e\":2000,\"m\":400,\"c\":5.5,\"pt\":0.67,\"ti\":0.50,\"tiPayer\":\"seller\"},\n    \"illinois\":        {\"name\":\"Illinois\",        \"t\":0.10,\"e\":3000,\"m\":500,\"c\":5.5,\"pt\":2.08,\"ti\":0.50,\"tiPayer\":\"seller\"},\n    \"indiana\":         {\"name\":\"Indiana\",         \"t\":0.00,\"e\":2000,\"m\":400,\"c\":5.5,\"pt\":0.84,\"ti\":0.50,\"tiPayer\":\"seller\"},\n    \"iowa\":            {\"name\":\"Iowa\",            \"t\":0.16,\"e\":2000,\"m\":400,\"c\":5.5,\"pt\":1.52,\"ti\":0.50,\"tiPayer\":\"split\"},\n    \"kansas\":          {\"name\":\"Kansas\",          \"t\":0.00,\"e\":2000,\"m\":400,\"c\":5.5,\"pt\":1.41,\"ti\":0.50,\"tiPayer\":\"split\"},\n    \"kentucky\":        {\"name\":\"Kentucky\",        \"t\":0.10,\"e\":2000,\"m\":400,\"c\":5.5,\"pt\":0.83,\"ti\":0.50,\"tiPayer\":\"seller\"},\n    \"louisiana\":       {\"name\":\"Louisiana\",       \"t\":0.00,\"e\":2500,\"m\":500,\"c\":5.5,\"pt\":0.56,\"ti\":0.50,\"tiPayer\":\"seller\"},\n    \"maine\":           {\"name\":\"Maine\",           \"t\":0.44,\"e\":2500,\"m\":500,\"c\":5.0,\"pt\":1.24,\"ti\":0.50,\"tiPayer\":\"buyer\"},\n    \"maryland\":        {\"name\":\"Maryland\",        \"t\":0.50,\"e\":3000,\"m\":500,\"c\":5.5,\"pt\":1.05,\"ti\":0.50,\"tiPayer\":\"buyer\"},\n    \"massachusetts\":   {\"name\":\"Massachusetts\",   \"t\":0.46,\"e\":3000,\"m\":500,\"c\":5.0,\"pt\":1.20,\"ti\":0.50,\"tiPayer\":\"buyer\"},\n    \"michigan\":        {\"name\":\"Michigan\",        \"t\":0.75,\"e\":2500,\"m\":500,\"c\":5.5,\"pt\":1.38,\"ti\":0.50,\"tiPayer\":\"split\"},\n    \"minnesota\":       {\"name\":\"Minnesota\",       \"t\":0.33,\"e\":2500,\"m\":500,\"c\":5.5,\"pt\":1.11,\"ti\":0.50,\"tiPayer\":\"seller\"},\n    \"mississippi\":     {\"name\":\"Mississippi\",     \"t\":0.00,\"e\":2000,\"m\":400,\"c\":5.5,\"pt\":0.79,\"ti\":0.50,\"tiPayer\":\"seller\"},\n    \"missouri\":        {\"name\":\"Missouri\",        \"t\":0.00,\"e\":2000,\"m\":400,\"c\":5.5,\"pt\":0.97,\"ti\":0.50,\"tiPayer\":\"seller\"},\n    \"montana\":         {\"name\":\"Montana\",         \"t\":0.00,\"e\":2000,\"m\":400,\"c\":5.5,\"pt\":0.74,\"ti\":0.50,\"tiPayer\":\"seller\"},\n    \"nebraska\":        {\"name\":\"Nebraska\",        \"t\":0.23,\"e\":2000,\"m\":400,\"c\":5.5,\"pt\":1.63,\"ti\":0.50,\"tiPayer\":\"seller\"},\n    \"nevada\":          {\"name\":\"Nevada\",          \"t\":0.26,\"e\":2500,\"m\":500,\"c\":5.0,\"pt\":0.55,\"ti\":0.50,\"tiPayer\":\"seller\"},\n    \"new hampshire\":   {\"name\":\"New Hampshire\",   \"t\":0.75,\"e\":2500,\"m\":500,\"c\":5.0,\"pt\":1.93,\"ti\":0.50,\"tiPayer\":\"buyer\"},\n    \"new jersey\":      {\"name\":\"New Jersey\",      \"t\":1.00,\"e\":3000,\"m\":600,\"c\":5.5,\"pt\":2.23,\"ti\":0.50,\"tiPayer\":\"buyer\"},\n    \"new mexico\":      {\"name\":\"New Mexico\",      \"t\":0.00,\"e\":2000,\"m\":400,\"c\":5.5,\"pt\":0.80,\"ti\":0.50,\"tiPayer\":\"seller\"},\n    \"new york\":        {\"name\":\"New York\",        \"t\":0.40,\"e\":4000,\"m\":800,\"c\":5.0,\"pt\":1.40,\"ti\":0.45,\"tiPayer\":\"buyer\"},\n    \"north carolina\":  {\"name\":\"North Carolina\",  \"t\":0.20,\"e\":2500,\"m\":500,\"c\":5.5,\"pt\":0.82,\"ti\":0.50,\"tiPayer\":\"split\"},\n    \"north dakota\":    {\"name\":\"North Dakota\",    \"t\":0.00,\"e\":1800,\"m\":400,\"c\":5.5,\"pt\":0.98,\"ti\":0.50,\"tiPayer\":\"buyer\"},\n    \"ohio\":            {\"name\":\"Ohio\",            \"t\":0.10,\"e\":2000,\"m\":400,\"c\":5.5,\"pt\":1.59,\"ti\":0.50,\"tiPayer\":\"split\"},\n    \"oklahoma\":        {\"name\":\"Oklahoma\",        \"t\":0.10,\"e\":2000,\"m\":400,\"c\":5.5,\"pt\":0.90,\"ti\":0.50,\"tiPayer\":\"seller\"},\n    \"oregon\":          {\"name\":\"Oregon\",          \"t\":0.10,\"e\":2500,\"m\":500,\"c\":5.0,\"pt\":0.93,\"ti\":0.50,\"tiPayer\":\"split\"},\n    \"pennsylvania\":    {\"name\":\"Pennsylvania\",    \"t\":1.00,\"e\":3000,\"m\":600,\"c\":5.5,\"pt\":1.49,\"ti\":0.55,\"tiPayer\":\"split\"},\n    \"rhode island\":    {\"name\":\"Rhode Island\",    \"t\":0.46,\"e\":2500,\"m\":500,\"c\":5.0,\"pt\":1.40,\"ti\":0.50,\"tiPayer\":\"buyer\"},\n    \"south carolina\":  {\"name\":\"South Carolina\",  \"t\":0.37,\"e\":2500,\"m\":500,\"c\":5.5,\"pt\":0.57,\"ti\":0.50,\"tiPayer\":\"seller\"},\n    \"south dakota\":    {\"name\":\"South Dakota\",    \"t\":0.00,\"e\":1800,\"m\":400,\"c\":5.5,\"pt\":1.17,\"ti\":0.50,\"tiPayer\":\"buyer\"},\n    \"tennessee\":       {\"name\":\"Tennessee\",       \"t\":0.37,\"e\":2000,\"m\":400,\"c\":5.5,\"pt\":0.67,\"ti\":0.50,\"tiPayer\":\"seller\"},\n    \"texas\":           {\"name\":\"Texas\",           \"t\":0.00,\"e\":2500,\"m\":500,\"c\":5.5,\"pt\":1.68,\"ti\":0.55,\"tiPayer\":\"seller\"},\n    \"utah\":            {\"name\":\"Utah\",            \"t\":0.00,\"e\":2000,\"m\":400,\"c\":5.0,\"pt\":0.57,\"ti\":0.50,\"tiPayer\":\"seller\"},\n    \"vermont\":         {\"name\":\"Vermont\",         \"t\":1.25,\"e\":2500,\"m\":500,\"c\":5.0,\"pt\":1.83,\"ti\":0.50,\"tiPayer\":\"buyer\"},\n    \"virginia\":        {\"name\":\"Virginia\",        \"t\":0.25,\"e\":2500,\"m\":500,\"c\":5.5,\"pt\":0.82,\"ti\":0.50,\"tiPayer\":\"buyer\"},\n    \"washington\":      {\"name\":\"Washington\",      \"t\":1.10,\"e\":3000,\"m\":600,\"c\":5.0,\"pt\":0.87,\"ti\":0.50,\"tiPayer\":\"split\"},\n    \"west virginia\":   {\"name\":\"West Virginia\",   \"t\":0.22,\"e\":2000,\"m\":400,\"c\":5.5,\"pt\":0.57,\"ti\":0.50,\"tiPayer\":\"buyer\"},\n    \"wisconsin\":       {\"name\":\"Wisconsin\",       \"t\":0.30,\"e\":2000,\"m\":400,\"c\":5.5,\"pt\":1.61,\"ti\":0.50,\"tiPayer\":\"split\"},\n    \"wyoming\":         {\"name\":\"Wyoming\",         \"t\":0.00,\"e\":1800,\"m\":400,\"c\":5.5,\"pt\":0.56,\"ti\":0.50,\"tiPayer\":\"seller\"}\n  };\n  var DEF={name:\"National average\",t:0.50,e:2500,m:500,c:5.5,pt:1.10,ti:0.50,tiPayer:\"split\"};\n\n  \/\/ Populate state dropdown\n  var sel=document.getElementById('scc-s-state');\n  var keys=Object.keys(SD).sort();\n  for(var i=0;i<keys.length;i++){\n    var o=document.createElement('option');\n    o.value=keys[i];\n    o.textContent=SD[keys[i]].name;\n    sel.appendChild(o);\n  }\n\n  \/\/ Auto-detect state from URL\/page (preserved from v1)\n  function detect(){\n    var src=[window.location.pathname,window.location.href,document.title,\n      (document.querySelector('h1')||{}).textContent||'',\n      (document.querySelector('h2')||{}).textContent||''\n    ].join(' ').toLowerCase().replace(\/-\/g,' ');\n    var kk=Object.keys(SD).sort(function(a,b){return b.length-a.length;});\n    for(var i=0;i<kk.length;i++){if(src.indexOf(kk[i])!==-1)return kk[i];}\n    return 'default';\n  }\n\n  var initialStateKey=detect();\n  sel.value=initialStateKey;\n  var st=initialStateKey==='default'?DEF:SD[initialStateKey];\n\n  function fmt(n){return n.toLocaleString('en-US',{style:'currency',currency:'USD',maximumFractionDigits:0});}\n\n  function setSlider(id,val,isPct,pctDigits){\n    var s=document.getElementById('scc-s-'+id);\n    var v=document.getElementById('scc-v-'+id);\n    s.value=val;\n    if(isPct){\n      v.textContent=(+val).toFixed(pctDigits||1)+'%';\n    } else {\n      v.textContent=fmt(+val);\n    }\n  }\n\n  function applyState(){\n    document.getElementById('scc-state-name').textContent=st.name;\n    document.getElementById('scc-r-state').textContent=st.name;\n    var half=+(st.c\/2).toFixed(2);\n    setSlider('lcommission',half,true,2);\n    setSlider('bcommission',half,true,2);\n    setSlider('tax',st.t,true,2);\n    setSlider('title',st.e);\n    setSlider('misc',st.m);\n    sccRecalcStateDefaults();\n    updateTitleInsNote();\n  }\n\n  function updateTitleInsNote(){\n    var note=document.getElementById('scc-titleins-note');\n    if(st.tiPayer==='seller'){\n      note.textContent='In '+st.name+', sellers typically pay this.';\n    } else if(st.tiPayer==='buyer'){\n      note.textContent='In '+st.name+', buyers typically pay this \u2014 leave at $0 unless you\\u2019ve agreed otherwise.';\n    } else {\n      note.textContent='In '+st.name+', this is often split or negotiated. Adjust based on your contract.';\n    }\n  }\n\n  \/\/ Recompute price-dependent state defaults (title insurance, property tax proration)\n  window.sccRecalcStateDefaults=function(){\n    var price=parseFloat(document.getElementById('scc-s-price').value)||0;\n    \/\/ Title insurance: default = state rate \u00d7 price, or $0 if buyer customarily pays\n    var tiDefault=st.tiPayer==='buyer'?0:Math.round((price*st.ti\/100)\/50)*50;\n    setSlider('titleins',tiDefault);\n    \/\/ Prorated property tax: state rate \u00d7 price \u00d7 0.5 (assume 6 months owed)\n    var ptDefault=Math.round((price*st.pt\/100*0.5)\/100)*100;\n    setSlider('proptax',ptDefault);\n    var note=document.getElementById('scc-proptax-note');\n    note.textContent='Assumes ~6 months owed at '+st.pt.toFixed(2)+'% effective annual rate ('+st.name+'). Adjust for your closing date.';\n  };\n\n  window.sccChangeState=function(){\n    var k=document.getElementById('scc-s-state').value;\n    st=k==='default'?DEF:SD[k];\n    applyState();\n  };\n\n  window.sccUpd=function(id){\n    var v=parseFloat(document.getElementById('scc-s-'+id).value);\n    var el=document.getElementById('scc-v-'+id);\n    if(id==='price'||id==='mortgage'||id==='title'||id==='misc'||id==='repairs'||id==='titleins'||id==='proptax'||id==='hoa'){\n      el.textContent=fmt(v);\n    } else if(id==='lcommission'||id==='bcommission'||id==='tax'){\n      el.textContent=(+v).toFixed(2)+'%';\n    } else {\n      el.textContent=(+v).toFixed(1)+'%';\n    }\n  };\n\n  var cur=0;\n  var PIP_ACTIVE='flex:1;height:3px;border-radius:2px;background:#4a7c59;';\n  var PIP_DONE='flex:1;height:3px;border-radius:2px;background:#a8c9b0;';\n  var PIP_OFF='flex:1;height:3px;border-radius:2px;background:#ddd;';\n\n  function setPips(step){\n    for(var i=0;i<4;i++){\n      var el=document.getElementById('scc-pip'+i);\n      el.style.cssText=i<step?PIP_DONE:i===step?PIP_ACTIVE:PIP_OFF;\n    }\n  }\n\n  window.sccGo=function(n){\n    document.getElementById('scc-step'+cur).style.display='none';\n    cur=n;\n    document.getElementById('scc-step'+cur).style.display='block';\n    setPips(cur);\n  };\n\n  window.sccShowResult=function(){\n    document.getElementById('scc-step3').style.display='none';\n    for(var i=0;i<4;i++){document.getElementById('scc-pip'+i).style.cssText=PIP_DONE;}\n\n    var sp=parseFloat(document.getElementById('scc-s-price').value)||0;\n    var mb=parseFloat(document.getElementById('scc-s-mortgage').value)||0;\n    var lcr=parseFloat(document.getElementById('scc-s-lcommission').value)||0;\n    var bcr=parseFloat(document.getElementById('scc-s-bcommission').value)||0;\n    var conr=parseFloat(document.getElementById('scc-s-concessions').value)||0;\n    var ttr=parseFloat(document.getElementById('scc-s-tax').value)||0;\n    var tins=parseFloat(document.getElementById('scc-s-titleins').value)||0;\n    var tef=parseFloat(document.getElementById('scc-s-title').value)||0;\n    var mf=parseFloat(document.getElementById('scc-s-misc').value)||0;\n    var ptx=parseFloat(document.getElementById('scc-s-proptax').value)||0;\n    var hoa=parseFloat(document.getElementById('scc-s-hoa').value)||0;\n    var rep=parseFloat(document.getElementById('scc-s-repairs').value)||0;\n\n    var lCommission=sp*(lcr\/100);\n    var bCommission=sp*(bcr\/100);\n    var concessions=sp*(conr\/100);\n    var transferTax=sp*(ttr\/100);\n    var total=lCommission+bCommission+concessions+transferTax+tins+tef+mf+ptx+hoa+rep;\n    var net=sp-mb-total;\n\n    document.getElementById('scc-r-total').textContent=fmt(total);\n    document.getElementById('scc-r-net').textContent=fmt(net);\n\n    var rows=[\n      ['Listing agent commission',lCommission],\n      ['Buyer-agent commission',bCommission],\n      ['Seller concessions',concessions],\n      ['Transfer tax',transferTax],\n      ['Owner\\u2019s title insurance',tins],\n      ['Escrow &#038; attorney fees',tef],\n      ['Recording \/ misc. fees',mf],\n      ['Prorated property taxes',ptx],\n      ['HOA transfer \/ estoppel fees',hoa],\n      ['Repairs \/ warranty \/ other',rep],\n      ['Mortgage payoff',mb]\n    ];\n    var ROW='display:table;width:100%;border-bottom:1px solid #eee;padding:6px 0;font-size:13px;';\n    var CL='display:table-cell;color:#666;';\n    var CR='display:table-cell;text-align:right;font-weight:600;color:#404040;';\n    document.getElementById('scc-r-rows').innerHTML=rows.filter(function(r){return r[1]>0;}).map(function(r){\n      return '<div style=\"'+ROW+'\"><span style=\"'+CL+'\">'+r[0]+'<\/span><span style=\"'+CR+'\">'+fmt(r[1])+'<\/span><\/div>';\n    }).join('');\n\n    document.getElementById('scc-result').style.display='block';\n  };\n\n  window.sccRestart=function(){\n    document.getElementById('scc-result').style.display='none';\n    cur=0;\n    document.getElementById('scc-step0').style.display='block';\n    setPips(0);\n  };\n\n  \/\/ Initial render: apply state defaults to all controls\n  applyState();\n})();\n<\/script>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-seller-closing-costs-in-new-mexico\">What are seller closing costs in New Mexico?<\/h2>\n\n\n\n<p>Seller closing costs refer to all the fees and expenses you must pay to finalize the sale of your home. These costs are not paid upfront. Instead, they are deducted from your proceeds at closing, meaning they directly impact how much money you take home.<\/p>\n\n\n\n<p>These expenses cover everything required to legally transfer ownership of the property, compensate real estate professionals, and settle any outstanding financial obligations tied to the home.<\/p>\n\n\n\n<p>While some of these costs are fixed, others can be negotiated depending on the market and the terms of your deal. Understanding what\u2019s included is the first step to managing and reducing your total expenses.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-new-mexico-seller-closing-costs-breakdown\">New Mexico seller closing costs breakdown<\/h2>\n\n\n\n<p>Seller closing costs in New Mexico include a mix of major and minor expenses, with a few key categories making up the bulk of the total.<\/p>\n\n\n\n<p>The largest cost is almost always the real estate agent commission. This fee is typically split between the listing agent and the buyer\u2019s agent and is calculated as a percentage of the sale price. For most sellers, this represents the single biggest expense in the transaction.<\/p>\n\n\n\n<p>Another common expense is title and escrow fees. These services help ensure the property can be legally transferred without ownership disputes or outstanding liens. Sellers may also contribute toward the buyer\u2019s owner\u2019s title insurance policy, depending on local customs and negotiations.<\/p>\n\n\n\n<p>Sellers are also responsible for escrow and settlement fees, which cover the administrative work involved in completing the transaction. These costs can include document preparation, wire transfers, and closing coordination.<\/p>\n\n\n\n<p>Property taxes are prorated at closing, meaning you will pay your portion based on how long you owned the home during the year. While <a href=\"https:\/\/smartasset.com\/taxes\/new-mexico-property-tax-calculator\" target=\"_blank\" rel=\"noreferrer noopener\">New Mexico property taxes<\/a> are relatively low compared to many other states, they still affect your final proceeds.<\/p>\n\n\n\n<p>If your property is part of a homeowners association, you may also need to pay HOA transfer fees, resale certificate costs, and any unpaid dues. In addition, sellers sometimes agree to concessions, such as covering part of the buyer\u2019s closing costs or offering repair credits, which can increase total expenses.<\/p>\n\n\n\n<p>Finally, if you still have a mortgage on the property, the remaining balance must be paid off at closing. Depending on your loan terms, there may also be minor fees associated with early payoff, though these are typically small compared to other costs.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-example-seller-closing-costs-in-new-mexico\">Example seller closing costs in New Mexico<\/h2>\n\n\n\n<p>To put these costs into perspective, it helps to look at a few realistic scenarios.<\/p>\n\n\n\n<p>For a home sold at $250,000, total closing costs may come out to around $18,000 when combining commission and additional fees. At a $400,000 sale price, that number increases to approximately $29,000. For higher-value homes, such as $750,000, total costs can reach around $54,000.<\/p>\n\n\n\n<p>These estimates show how quickly closing costs scale with the price of the home. It\u2019s also important to remember that these figures do not include your mortgage payoff, which will further reduce your final proceeds.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-calculate-your-net-proceeds\">How to calculate your net proceeds<\/h2>\n\n\n\n<p>Understanding your net proceeds is the most important part of the <a href=\"https:\/\/www.har.com\/blog_118592_the-process-of-selling-a-home-a-step-by-step-guide\" target=\"_blank\" rel=\"noreferrer noopener\">selling process<\/a>. This is the amount you actually receive after all expenses are deducted.<\/p>\n\n\n\n<p>The calculation is straightforward. Start with your home\u2019s sale price, then subtract your real estate commissions and all closing costs. After that, subtract your remaining mortgage balance.<\/p>\n\n\n\n<p>What remains is your final profit.<\/p>\n\n\n\n<p>For example, if you sell your home for $400,000 and pay $24,000 in commission and $5,000 in other costs, you\u2019re left with $371,000. If your mortgage balance is $250,000, your net proceeds would be approximately $121,000.<\/p>\n\n\n\n<p>This is exactly why using a closing cost calculator is so valuable, it allows you to estimate this number quickly and plan ahead.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-the-new-mexico-closing-cost-calculator-works\">How the New Mexico closing cost calculator works<\/h2>\n\n\n\n<p>A New Mexico seller closing costs calculator uses a few simple inputs to estimate your final outcome. These typically include your expected sale price, your remaining mortgage balance, and an estimate of your commission rate and closing costs.<\/p>\n\n\n\n<p>Once these values are entered, the calculator provides a breakdown of your total expenses and shows how much you are likely to walk away with after the sale. While it won\u2019t be exact, it gives a reliable estimate that helps you make more informed decisions before listing your home.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-affects-your-seller-closing-costs-in-new-mexico\">What affects your seller closing costs in New Mexico?<\/h2>\n\n\n\n<p>Not every seller pays the same amount in closing costs. Several factors can influence your final total.<\/p>\n\n\n\n<p>The most obvious factor is your home\u2019s sale price, since many costs, especially commissions, are calculated as a percentage. The terms you <a href=\"https:\/\/ibuyer.com\/blog\/can-you-negotiate-realtor-fees\/\" target=\"_blank\" rel=\"noreferrer noopener\">negotiate<\/a> with the buyer can also have a significant impact. Agreeing to cover buyer closing costs or offering repair credits can increase your expenses.<\/p>\n\n\n\n<p>Market conditions play a role as well. In a competitive seller\u2019s market, you may be able to limit concessions and keep more of your profit. In a slower market, you might need to offer incentives to attract buyers.<\/p>\n\n\n\n<p>The type of sale you choose can also affect your costs. Traditional sales with full-service agents tend to have higher commissions, while alternative options like <a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/what-is-discount-broker\/\" target=\"_blank\" rel=\"noreferrer noopener\">discount brokers <\/a>or cash buyers may reduce some expenses.<\/p>\n\n\n\n<p>Local escrow practices, title insurance arrangements, and negotiated concessions can also influence the total amount sellers ultimately pay at closing.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-pays-closing-costs-in-new-mexico\">Who pays closing costs in New Mexico?<\/h2>\n\n\n\n<p>Closing costs in New Mexico are typically shared between the buyer and the seller, but sellers usually pay the larger portion.<\/p>\n\n\n\n<p>Sellers are generally responsible for agent commissions, title-related fees, and their share of property taxes, while buyers often cover loan-related fees and lender costs. However, there is no strict rule dictating who pays what. The final arrangement is negotiated as part of the purchase agreement.<\/p>\n\n\n\n<p>Depending on the market, sellers may agree to cover more costs to make their home more appealing, or buyers may take on a greater share if demand is high.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-when-are-seller-closing-costs-paid\">When are seller closing costs paid?<\/h2>\n\n\n\n<p>Seller closing costs are paid at closing, not in advance. In most cases, these costs are deducted directly from your sale proceeds. The title company or escrow provider handles the distribution of funds, ensuring that all fees and obligations are paid before you receive your final amount.<\/p>\n\n\n\n<p>As long as your sale price covers your expenses and mortgage payoff, you typically won\u2019t need to bring additional cash to the closing table.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-to-reduce-seller-closing-costs-in-new-mexico\">How to reduce seller closing costs in New Mexico<\/h2>\n\n\n\n<p>While closing costs are unavoidable, there are several ways to minimize them and keep more of your profit.<\/p>\n\n\n\n<p>One of the most effective strategies is to negotiate your real estate commission. Even a small reduction in percentage can result in significant savings. Some sellers also choose alternative listing options, such as flat-fee services or discount brokerages, to lower costs.<\/p>\n\n\n\n<p>Shopping around for title and escrow services can also make a difference. Fees can vary between providers, and comparing options may help you secure a better rate.<\/p>\n\n\n\n<p>Being mindful of concessions is equally important. Offering too much in credits or incentives can quickly increase your expenses, so it\u2019s important to strike the right balance during negotiations.<\/p>\n\n\n\n<p>Timing your closing can also influence your costs, particularly when it comes to&nbsp; . Since taxes are prorated, the time of year you sell will affect how much you owe.<\/p>\n\n\n\n<p>Finally, some sellers consider working with cash buyers to simplify the process. While this may involve accepting a slightly lower price, it can reduce fees and eliminate certain costs associated with traditional sales.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-new-mexico-vs-other-states-how-closing-costs-compare\">New Mexico vs other states: how closing costs compare<\/h2>\n\n\n\n<p>Compared to many other states, New Mexico offers relatively moderate seller closing costs overall.<\/p>\n\n\n\n<p>One major advantage is the absence of a state real estate <a href=\"https:\/\/www.investopedia.com\/terms\/t\/transfertax.asp\" target=\"_blank\" rel=\"noreferrer noopener\">transfer tax<\/a>, which helps reduce transaction costs compared to states that impose significant transfer fees. In addition, New Mexico\u2019s property taxes are generally lower than the national average, helping sellers keep more of their proceeds.<\/p>\n\n\n\n<p>However, title insurance, escrow services, and agent <a href=\"https:\/\/ibuyer.com\/blog\/what-is-realtor-commission\/\" target=\"_blank\" rel=\"noreferrer noopener\">commissions<\/a> still represent substantial expenses that sellers should plan for carefully. While closing costs remain a meaningful part of the selling process, New Mexico is generally considered more affordable than many higher-tax states.<\/p>\n\n\n<div class=\"card my-5 shadow-lg\">\n  <div class=\"card-body py-md-4\">\n    <div class=\"row align-items-center justify-content-center py-md-3 py-lg-2 py-xl-3\">\n      <div class=\"col-12\">\n        <p class=\"mb-4 h3 text-center\">\n          <span class=\"h4 text-primary font-weight-bold\">Compare Cash Offers from <span class=\"d-inline-block\">Top Home Buyers.<\/span><\/span>\n          <span class=\"mt-2 d-block font-weight-normal text-muted\">Delivered by Your Local iBuyer <span class=\"d-inline-block\">Certified Specialist.<\/span><\/span>\n        <\/p>\n      <\/div>\n\n      <div class=\"col-12\">\n        <div class=\"ui-v2 search-address-form bg-white py-0\">\n          <div class=\"row justify-content-md-center\">\n            <div class=\"col-12 col-md-7 pr-md-2\">\n              <div class=\"input-group mb-0 shadow-sm\">\n                <div class=\"input-group-prepend\">\n                  <div class=\"input-group-text bg-white border-right-0\">\n                    <div class=\"icon\">\n                      <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-geo-alt-fill\" viewBox=\"0 0 16 16\">\n                        <path d=\"M8 16s6-5.686 6-10A6 6 0 0 0 2 6c0 4.314 6 10 6 10zm0-7a3 3 0 1 1 0-6 3 3 0 0 1 0 6z\"><\/path>\n                      <\/svg>\n                    <\/div>\n                  <\/div>\n                <\/div>\n\n                <input type=\"text\" id=\"autocomplete4\" class=\"form-control form-control-lg px-0\" placeholder=\"Enter your home address\" autocomplete=\"off\" v-on:change=\"onAddressChange($event)\" v-on:keydown.enter=\"searchMyAddress($event)\" onfocus=\"this.autocomplete='smartystreets'\">\n\n                <div class=\"input-group-append\">\n                  <div class=\"input-group-text bg-white border-left-0 p-0\">\n                    <button type=\"reset\" id=\"clear-address-btn4\" class=\"btn px-2 h-100\" name=\"clear\">\n                      <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-x\" viewBox=\"0 0 16 16\">\n                        <path d=\"M4.646 4.646a.5.5 0 0 1 .708 0L8 7.293l2.646-2.647a.5.5 0 0 1 .708.708L8.707 8l2.647 2.646a.5.5 0 0 1-.708.708L8 8.707l-2.646 2.647a.5.5 0 0 1-.708-.708L7.293 8 4.646 5.354a.5.5 0 0 1 0-.708z\"><\/path>\n                      <\/svg>\n                    <\/button>\n                  <\/div>\n                <\/div>\n              <\/div>\n\n              <ul class=\"us-autocomplete-pro-menu4 autocomplete-menu\" style=\"display:none;\"><\/ul>\n            <\/div>\n\n            <div class=\"col-12 col-md-auto pl-md-2\">\n              <button type=\"button\" id=\"disabledHomeValue4\" class=\"btn btn-primary btn-lg btn-block mt-3 mt-md-0\" v-on:click=\"searchMyAddress($event)\" disabled=\"\">\n                Get My Home Value\n              <\/button>\n            <\/div>\n          <\/div>\n        <\/div>\n\n        <p class=\"h5 mt-4 mb-0 text-center font-weight-bold text-info\">\n          One Expert, Multiple Offers, <span class=\"d-inline-block\">No Obligation.<\/span>\n        <\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-frequently-asked-questions\">Frequently Asked Questions<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1779273637535\"><strong class=\"schema-faq-question\"><strong>How much are seller closing costs in New Mexico?<\/strong><\/strong> <p class=\"schema-faq-answer\">Most sellers pay between 6% and 10% of the home\u2019s sale price, depending on commission rates and negotiated expenses.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779273645277\"><strong class=\"schema-faq-question\"><strong>Can sellers negotiate closing costs?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes, many costs are negotiable, particularly agent commissions and seller concessions.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779273656219\"><strong class=\"schema-faq-question\"><strong>Do sellers pay all closing costs in New Mexico?<\/strong><\/strong> <p class=\"schema-faq-answer\">No, closing costs are shared, but sellers typically pay the majority.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779273666652\"><strong class=\"schema-faq-question\"><strong>Are closing costs tax deductible?<\/strong><\/strong> <p class=\"schema-faq-answer\">Some selling expenses may be tax deductible, but it\u2019s best to consult a tax professional for specific guidance.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779273678362\"><strong class=\"schema-faq-question\"><strong>Can you avoid closing costs completely?<\/strong><\/strong> <p class=\"schema-faq-answer\">Closing costs cannot be eliminated entirely, but they can be reduced through negotiation and careful planning.<\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>Estimate your New Mexico seller closing costs instantly Many sellers focus on the final sale price, but what really matters is how much you actually walk away with. Between agent commissions, title fees, and taxes, closing costs can take a significant bite out of your proceeds. And for many sellers, those numbers only become clear [&hellip;]<\/p>\n","protected":false},"author":37,"featured_media":22903,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[104,211,456],"tags":[],"class_list":["post-22863","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-closing-costs","category-new-mexico","category-seller-closing-costs"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>New Mexico Seller Closing Costs: Complete Guide for 2026<\/title>\n<meta name=\"description\" content=\"Explore New Mexico seller closing costs, including title fees, taxes, and agent commissions, to better estimate your net proceeds.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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