What you keep when you sell

Enter your address and numbers. Your itemized net updates live. No contact info needed.

Your numbers

Change any number. The net updates instantly.

The home

Property address

City

State

ZIP

County Sets the conveyance fee and tax proration.

Property type

Expected sale price

Enter the price you expect. An automated estimate is not an appraisal.

Closing date Drives the tax proration.

Total annual property taxes

Total of all your tax bills (county, city, school) for a full year.

Agent compensation

Total compensation

6% total 7% total Custom

Compensation is negotiable.

What you owe on the home

First mortgage payoff

Use the payoff figure, not the statement balance. Interest runs through closing day.

Second mortgage or HELOC payoff

A HELOC must be frozen and closed at closing.

Other liens or debts paid from the sale

Tax liens, judgments, HOA arrears, prepayment penalty. Zero if none.

What you are putting toward the deal

Seller-paid closing costs for the buyer

What you agreed to cover toward the buyer’s closing costs. Zero is common.

Repairs or repair credits you expect to fund

Planned work, or a credit you expect to give after inspection.

Who pays for what

Owner’s title insurance policy

Buyer pays (customary here) Seller pays

Customarily bought by the buyer in Ohio and Kentucky, unless negotiated otherwise.

Is there an HOA?

No Yes

Detailed estimate: Ohio

Your estimated net at closing

Planning range around your price

Ohio or Kentucky? I can tighten these numbers with your real tax figures and a title quote. See the report step below.

Read this first

Estimate only. Not a closing disclosure. Your title company’s Closing Disclosure has the final numbers.
Fees vary. Title and closing fees are set by the company handling your closing. Government fee rates shown are the published rates as of November 2026.
Not an appraisal. An automated value estimate is not an appraisal or a list price.
Location changes the math. Ohio taxes are paid a year in arrears. Kentucky bills the current year in the fall.
Your contract controls who pays what. Several items here follow local custom and are negotiable.
Payoffs move daily. They include interest through your closing date.
Not tax or legal advice. Income and capital gains taxes are not estimated here.
Licensing. Sydney Meyer is licensed in Ohio and Kentucky only. Other states: referral to a local agent through Sibcy Cline.

Full report + prep checklist

Add your info and your report and checklist appear right here. Print or save the page to keep them.

Your details

Phone is optional.

Your detailed net report

Call 513-924-4353

Seller prep checklist

Print or save this page and work down the list.

Timing and first steps

Pick your listing date first. Work backward from it.
Line up your next home, or a backup plan, before you list.
Tell your lender you are selling. Request a payoff statement.
HELOC: ask your lender how to freeze and close the line.

Declutter and clean

Clear kitchen and bathroom counters almost completely.
Take half the contents out of every closet.
Put personal photos and paperwork out of sight.
Deep clean last: baseboards, fans, appliances, windows.
Fix odors at the source: pet bedding, drains, soft furnishings.

Functional fixes worth doing

Fix anything that drips, sticks, squeaks, or will not latch.
Replace dead bulbs. Match light temperature room to room.
Service the HVAC. Keep the receipt.
Touch up scuffed paint. Patch nail holes.
Test smoke and CO detectors. Replace batteries.
Skip the big remodel. Paint, working systems, and clean beat it.

Documents to gather

All recent tax bills: county, city, school.
Mortgage statements and payoff contacts for every loan.
HOA documents: dues, coverage, transfer fees.
Receipts and permits for major work: roof, HVAC, water heater, additions.
A list of what stays and what goes.
Kentucky: a sworn certificate of consideration is part of the deed paperwork. Your title company prepares it.

Photo day prep

Open every blind. Turn on every light.
Cars out of the driveway. Bins out of sight.
Hide remotes, chargers, toiletries, pet bowls, laundry baskets.
Beds made, pillows fluffed, toilet lids down.
Mow, edge, and sweep the front walk the day before.

What you get

Your itemized net sheet with your name and property on it.
A personal review of the soft spots: taxes, title fees, location items.
Condos: a hand-priced review against real sales.
Outside Ohio and Kentucky: a referral to a local agent, with your estimate attached.
The full prep checklist, right on this page.

Selling tips

tip one

Price from real sales

Price from recent nearby sales, not an automated estimate. Price too high and the market corrects it for you, one cut at a time.

tip two

Small fixes, no big remodel

Buyers forgive dated, not broken. A weekend of fixes and a deep clean beats a rushed renovation.

tip three

Judge offers by net

Run every offer through the calculator math. A lower offer with no concessions can net you more.

tip four

Make week one easy

Interest peaks right after listing. Stay flexible on showings and have documents ready before day one.

Sale timeline

Weeks 4 to 2 out

Prep and paperwork

Fix list, declutter, tax bills, loan info, payoff figures.

Weeks 2 to 1 out

Pricing and photos

Price from real sales. Confirm your net. Professional photos.

Listing week

Your home goes live

Listing goes live. Showings start. Strongest interest is usually this week.

Offer window

Review offers by net

Each offer run through your net: concessions, credits, financing, timeline.

Under contract, 30 to 45 days

Inspection, appraisal, and title work

Buyer inspects, lender appraises, title company prepares closing figures.

Closing day

Sign and get paid

Sign the deed. Loans and liens paid from proceeds. Remainder goes to you.

Glossary

Net proceeds: What is left after loans, liens, compensation, taxes, and fees are paid from the price.
Conveyance fee (Ohio) and transfer tax (Kentucky): The government charge for transferring the deed, paid by the seller. Ohio: $3 to $4 per $1,000 plus 50 cents. Kentucky: $1 per $1,000.
Owner’s title insurance policy: One-time premium protecting the new owner’s title. Customarily bought by the buyer in Ohio and Kentucky.
Tax proration: Settling property taxes at closing. Ohio sellers owe for unbilled months. Kentucky sellers owe January 1 to closing, or get reimbursed if already paid.
Payoff amount: The exact amount to close your loan on a given date, interest included. Higher than your statement balance.
Seller concessions: Money you agree to put toward the buyer’s closing costs. Comes straight off your net.
Escrow and closing fees: Title company or closing attorney charges to run the closing. Set by the company, so they vary.
Recording fees: County charge to record documents. Seller side is mainly the mortgage release: about $42 in Ohio, $46 in Kentucky.

An agent reviewing closing paperwork with a homeowner at a table

Want your numbers checked?

Ohio or Kentucky: I will review your estimate against your real tax figures and a title quote.

Call 513-924-4353 Back to calculator