Money
Closing Costs Explained: Who Pays What on a FSBO Sale
A line-by-line breakdown of every closing cost on a typical FSBO transaction — and how to negotiate who pays each one.
6 min read · Updated 2026-04-18
"Closing costs" covers a dozen different fees paid at the closing table. On a $300,000 home, buyer closing costs typically run $6,000–$12,000 (2–4% of the sale price), seller closing costs run $9,000–$18,000 (3–6%) — BEFORE any agent commission. Here is what each line item is.
Buyer-side closing costs
Seller-side closing costs
What's NEGOTIABLE?
Almost everything. Common negotiation points:
What's NOT negotiable?
Bottom line
Build closing costs into your original offer strategy. A "$305,000 offer with $6,000 seller concession to closing costs" is often a cleaner deal for both parties than "$299,000, each side pays own costs" — even though the net to seller is similar.