Charlottesville, VA local closing costs

Cost to sell a house in Charlottesville, VA.

On a typical $280,000 Charlottesville sale, total seller costs to list and close traditionally run about $22,020 roughly 7.9% of the sale price. Here's the line-item breakdown.

Median DOM: 38 days
Median income: $80,114
Total transfer rate: 0.25%

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List with an agent

$280,000 sale price

Agent commission (5.5%)$15,400
State + local transfer tax (0.25%)$700
Owner's title insurance (0.4%)$1,120
Recording / settlement / attorney$800
Pre-listing repairs (1%)$2,800
Staging + photography$1,200

Total costs$22,020

Net to seller$257,980

Time to close varies with market demand, financing, inspections, and title work.

Home Posted cash offer

$218,400 offer (~78% of retail)

Agent commission$0
Transfer tax(Buyer pays)$0
Title insurance(Buyer pays)$0
Closing / attorney fees(Buyer pays)$0
Repairs(As-is, buyer's problem)$0
Staging / photography(Not needed)$0

Total costs$0

Net to seller$218,400

Timing, contingencies, and seller costs are stated in the written offer.

Net difference

Listing nets you more: $39,580

The trade is time, certainty and effort vs the last few percent of retail. If your house needs repairs or you can't wait 90 days, the cash path usually wins on the math too.

Attorney required?

Not required in Virginia, but title companies handle most closings.

Transfer tax

VA seller-paid grantor tax is $1/$1,000.

Repair credits

On a traditional listing, post-inspection repair credits in Charlottesville commonly cost sellers another $2-8k beyond the budget above.

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