{"id":22939,"date":"2026-05-20T08:18:57","date_gmt":"2026-05-20T12:18:57","guid":{"rendered":"https:\/\/ibuyer.com\/blog\/?p=22939"},"modified":"2026-05-20T08:18:58","modified_gmt":"2026-05-20T12:18:58","slug":"wisconsin-seller-closing-costs","status":"publish","type":"post","link":"https:\/\/ibuyer.com\/blog\/wisconsin-seller-closing-costs\/","title":{"rendered":"Wisconsin Seller Closing Costs: Complete Guide for 2026"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\" id=\"h-estimate-your-wisconsin-seller-closing-costs-instantly\">Estimate your Wisconsin 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 meaningful 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 Wisconsin, it typically costs about 11%\u201312% of the home\u2019s sale price to sell a home, once you include real estate commissions and other closing\u2011related expenses. A large portion of this comes from agent commissions, while the remaining 2%\u20133% covers <a href=\"https:\/\/www.realpha.com\/blog\/title-fees\" target=\"_blank\" rel=\"noreferrer noopener\">title\u2011related fees<\/a>, transfer taxes, and prorated property taxes.<\/p>\n\n\n\n<p>A Wisconsin seller&#8217;s closing costs calculator helps you estimate this total early. By entering your expected sale price, mortgage balance, and typical commission rate, you can see a rough breakdown 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-wisconsin-seller-closing-costs-instantly\" data-level=\"2\">Estimate your Wisconsin seller closing costs instantly<\/a><\/li><li><a href=\"#h-how-much-are-seller-closing-costs-in-wisconsin\" data-level=\"2\">How much are seller closing costs in Wisconsin?<\/a><\/li><li><a href=\"#h-what-are-seller-closing-costs-in-wisconsin\" data-level=\"2\">What are seller closing costs in Wisconsin?<\/a><\/li><li><a href=\"#h-wisconsin-seller-closing-costs-breakdown\" data-level=\"2\">Wisconsin seller closing costs breakdown<\/a><\/li><li><a href=\"#h-example-seller-closing-costs-in-wisconsin\" data-level=\"2\">Example seller closing costs in Wisconsin<\/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-what-remains-is-your-final-profit\" data-level=\"2\">What remains is your final profit.<\/a><\/li><li><a href=\"#h-how-the-wisconsin-closing-cost-calculator-works\" data-level=\"2\">How the Wisconsin closing cost calculator works<\/a><\/li><li><a href=\"#h-what-affects-your-seller-closing-costs-in-wisconsin\" data-level=\"2\">What affects your seller closing costs in Wisconsin?<\/a><\/li><li><a href=\"#h-who-pays-closing-costs-in-wisconsin\" data-level=\"2\">Who pays closing costs in Wisconsin?<\/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-wisconsin\" data-level=\"2\">How to reduce seller closing costs in Wisconsin<\/a><\/li><li><a href=\"#h-wisconsin-vs-other-states-how-closing-costs-compare\" data-level=\"2\">Wisconsin vs other states: how closing costs compare<\/a><\/li><li><a href=\"#h-frequently-asked-question-nbsp\" data-level=\"2\">Frequently Asked Question\u00a0<\/a><\/li><\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-much-are-seller-closing-costs-in-wisconsin\">How much are seller closing costs in Wisconsin?<\/h2>\n\n\n\n<p>On average, Wisconsin sellers pay roughly 11%\u201312% of the home\u2019s sale price when you combine real estate commissions and all closing\u2011related costs. Real estate commissions alone average about 5.5%\u20136% of the sale price, with many listing agents operating in the 2.5%\u20133% range and the buyer\u2019s agent receiving a similar percentage.<\/p>\n\n\n\n<p>Closing costs other than commission (title, transfer taxes, recording, and prorated taxes) typically run around 2%\u20133% of the sale price. This gives Wisconsin sellers a relatively predictable cost structure, even though the total percentage is on the higher side compared with some other states.<\/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-wisconsin\">What are seller closing costs in Wisconsin?<\/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 sale 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 by statute or local custom, 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-wisconsin-seller-closing-costs-breakdown\">Wisconsin seller closing costs breakdown<\/h2>\n\n\n\n<p>Seller closing costs in Wisconsin 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 major cost is the deed transfer (or real estate transfer) tax. Wisconsin charges a transfer tax of about 0.33% of the sale price, or roughly $3 per $1,000 of value, which is usually paid by the seller unless the transaction is exempt or negotiated otherwise.<\/p>\n\n\n\n<p>Sellers are also responsible for owner\u2019s title insurance, which protects the buyer from title issues or ownership disputes. Title\u2011related fees, including title search or service fees and <a href=\"https:\/\/www.investopedia.com\/terms\/r\/recordingfee.asp\" target=\"_blank\" rel=\"noreferrer noopener\">recording fees<\/a>, are often in the range of $400\u2013$500 on a typical\u2011priced home.<\/p>\n\n\n\n<p>Property taxes are <a href=\"https:\/\/ibuyer.com\/blog\/what-is-proration-in-real-estate\/\" target=\"_blank\" rel=\"noreferrer noopener\">prorated<\/a> at closing, meaning you will pay your portion based on how long you owned the home during the tax year. Prorated property taxes can represent a noticeable line item, especially on higher\u2011value homes or in counties with higher tax rates.<\/p>\n\n\n\n<p>In addition, sellers may pay HOA transfer or document\u2011prep fees, outstanding dues, or negotiated seller concessions such as buyer\u2011closing\u2011cost credits or repair credits. These concessions can push total seller\u2011side costs higher if offered liberally.<\/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-wisconsin\">Example seller closing costs in Wisconsin<\/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 seller\u2011side costs (including about 6% in commission and 2%\u20133% in taxes and title\u2011related fees) may come out to roughly 20,000\u201322,500. At a 400,000 sale price, that total can rise to about 32,000\u201336,000. For higher\u2011value homes such as 750,000, total seller costs can reach around 60,000\u201367,500.<\/p>\n\n\n\n<p>These examples show how quickly closing costs scale with the price of the home. 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 selling process. This is the amount you actually receive after all expenses are deducted.<\/p>\n\n\n\n<p>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<h2 class=\"wp-block-heading\" id=\"h-what-remains-is-your-final-profit\">What remains is your final profit.<\/h2>\n\n\n\n<p>For example, if you sell your home for 400,000 and pay 24,000 in commission and 8,000 in other costs, you\u2019re left with 368,000. If your mortgage balance is 250,000, your net proceeds would be approximately 118,000.<\/p>\n\n\n\n<p>This is exactly why using a closing cost calculator is so valuable. It helps you estimate this number quickly and plan ahead.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-the-wisconsin-closing-cost-calculator-works\">How the Wisconsin closing cost calculator works<\/h2>\n\n\n\n<p>A Wisconsin 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 Wisconsin\u2011specific fees such as <a href=\"https:\/\/www.bankrate.com\/mortgages\/transfer-taxes\/\" target=\"_blank\" rel=\"noreferrer noopener\">transfer tax<\/a> and title\u2011related charges.<\/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-wisconsin\">What affects your seller closing costs in Wisconsin?<\/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 and transfer taxes, are calculated as a percentage. The terms you negotiate 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\u2011service agents tend to have higher commissions, while alternative options like discount brokers or cash buyers may reduce some expenses.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-who-pays-closing-costs-in-wisconsin\">Who pays closing costs in Wisconsin?<\/h2>\n\n\n\n<p><a href=\"https:\/\/ibuyer.com\/blog\/how-much-is-the-closing-cost-in-wisconsin\/\" target=\"_blank\" rel=\"noreferrer noopener\">Closing costs in Wisconsin<\/a> 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, the deed\/transfer tax, owner\u2019s title insurance, and their share of prorated property taxes. Buyers typically cover loan\u2011related fees and lender costs.<\/p>\n\n\n\n<p>However, there is no strict rule dictating who pays what. The final arrangement is negotiated as part of the purchase agreement. 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 in Wisconsin are paid at closing, not in advance. In most cases, these costs are deducted directly from your sale proceeds.<\/p>\n\n\n\n<p>The <a href=\"https:\/\/www.experian.com\/blogs\/ask-experian\/what-does-title-company-do\/\" target=\"_blank\" rel=\"noreferrer noopener\">title company<\/a> or closing agent handles the distribution of funds, ensuring that all fees and obligations are paid before you receive your final amount. 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-wisconsin\">How to reduce seller closing costs in Wisconsin<\/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, particularly given Wisconsin\u2019s relatively high commission\u2011based cost structure. Some sellers also choose alternative listing options, such as flat\u2011fee services or discount brokerages, to lower costs.<\/p>\n\n\n\n<p>Shopping around for titles and closing\u2011service providers 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 <a href=\"https:\/\/ibuyer.com\/blog\/what-are-seller-concessions\/\" target=\"_blank\" rel=\"noreferrer noopener\">concessions<\/a> is equally important. Offering too much to the buyer\u2011closing\u2011cost credits or repair 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 property taxes. 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 <a href=\"https:\/\/www.fastexpert.com\/blog\/all-cash-buyers-and-their-impact-on-the-housing-market\/\" target=\"_blank\" rel=\"noreferrer noopener\">cash buyers<\/a> to simplify the process. While this may involve accepting a slightly lower price, it can reduce fees and eliminate certain costs associated with traditional, lender\u2011financed sales.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-wisconsin-vs-other-states-how-closing-costs-compare\">Wisconsin vs other states: how closing costs compare<\/h2>\n\n\n\n<p>Compared to many other states, Wisconsin stands out because of its combination of relatively high commissions and a state\u2011level transfer tax.<\/p>\n\n\n\n<p>On the negative side, Wisconsin\u2019s total seller\u2011side cost percentage (around 11%\u201312%) is higher than in many states, due in large part to commissions and the 0.33% deed transfer tax. However, the state\u2019s title and recording fees themselves are fairly typical, and there are no unusually heavy ancillary transfer\u2011tax schemes.<\/p>\n\n\n\n<p>Overall, while Wisconsin does not have the lightest closing\u2011cost structure, it is relatively transparent and predictable, making it easier for sellers to plan ahead if they understand the commission and tax components.<\/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-question-nbsp\">Frequently Asked Question&nbsp;<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1779279302128\"><strong class=\"schema-faq-question\"><strong>How much are seller closing costs in Wisconsin?<\/strong><\/strong> <p class=\"schema-faq-answer\">Most sellers pay roughly 11%\u201312% of the home\u2019s sale price in total selling\u2011side costs, once commissions and closing\u2011related fees are combined.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779279310315\"><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, seller concessions, and in some cases transfer\u2011tax responsibility.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779279317583\"><strong class=\"schema-faq-question\"><strong>Do sellers pay all closing costs in Wisconsin?<\/strong><\/strong> <p class=\"schema-faq-answer\">No, closing costs are shared, but sellers typically pay the majority, including commissions, transfer tax, and owner\u2019s title insurance.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779279326273\"><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, and Wisconsin sellers may also qualify for federal capital\u2011gains\u2011sale exclusions if the home is a primary residence. However, it\u2019s best to consult a tax professional for specific guidance.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1779279341123\"><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, careful planning, and choosing alternative sale structures.<\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>Estimate your Wisconsin 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 meaningful bite out of your proceeds. And for many sellers, those numbers only become clear at [&hellip;]<\/p>\n","protected":false},"author":37,"featured_media":22943,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[104,456,141],"tags":[],"class_list":["post-22939","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-closing-costs","category-seller-closing-costs","category-wisconsin"],"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>Wisconsin Seller Closing Costs: Complete Guide for 2026<\/title>\n<meta name=\"description\" content=\"Discover Wisconsin seller closing costs, including transfer taxes, title fees, and agent commissions, to estimate your net proceeds.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ibuyer.com\/blog\/wisconsin-seller-closing-costs\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Wisconsin Seller Closing Costs: Complete Guide for 2026\" \/>\n<meta property=\"og:description\" content=\"Discover Wisconsin seller closing costs, including transfer taxes, title fees, and agent commissions, to estimate your net proceeds.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/ibuyer.com\/blog\/wisconsin-seller-closing-costs\/\" \/>\n<meta property=\"og:site_name\" content=\"iBuyer Blog\" \/>\n<meta property=\"article:published_time\" content=\"2026-05-20T12:18:57+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-05-20T12:18:58+00:00\" \/>\n<meta property=\"og:image\" 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