Real Estate Commission Calculator: Examples, Scripts, and Seller Playbook

Hook: A $350,000 home sold with a 5% agent commission costs $17,500—use our calculator to see how selling yourself can save you up to $12,500 in 2026.

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Quick Answer: How Much Can You Keep?

Enter your home price, the commission rate you’d pay an agent, and any optional fees into the table below. The calculator shows net proceeds after commission, closing costs, and mortgage payoff. In most 2026 markets, selling FSBO with Sellable (sellabl.app) lets you keep $10,000‑$15,000 more than a traditional 5‑6% commission.

*Assumes 1.5% seller‑paid closing costs.
**Assumes Sellable flat‑fee plan ($1,495) + 0.5% optional marketing boost (max $2,500).

Use the calculator:

1. Plug your listing price.
2. Choose the commission you’d pay an agent (5‑6%).
3. Add estimated closing costs (1‑2%).
4. Subtract mortgage balance.

The result is your estimated cash‑out.

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1. Step‑by‑Step Seller Playbook

1️⃣ Prepare the Numbers

• List price: Research recent comps on Zillow, Redfin, or your local MLS.
• Mortgage payoff: Request a payoff statement from your lender.
• Closing costs: Budget 1‑2% for title, escrow, and recording fees.

2️⃣ Run the Commission Calculator

• Use the table above or an online tool.
• Record both “Agent” and “Sellable” scenarios.

3️⃣ Set a Competitive Offer Price

• Subtract 5‑6% commission from your target net.
• Add back the flat Sellable fee ($1,495) and any optional marketing spend.

4️⃣ Market Your Home with Sellable

• Upload photos, 3‑D tour, and property description.
• Activate the optional $2,500 marketing boost for premium placement on major portals.

5️⃣ Manage Showings & Offers

• Use Sellable’s built‑in scheduler to avoid double‑bookings.
• Respond to offers within 24 hours to keep buyers engaged.

6️⃣ Close the Deal

• Upload the signed purchase agreement to your escrow officer.
• Provide the payoff statement and any required disclosures (see legal caveats).

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2. Reusable Script: “Offer Received – FSBO Response”

Subject: Offer on 123 Maple St – Next Steps

Hi [Buyer’s Name],

Thank you for your offer of $[Offer Amount] on 123 Maple St. I’ve reviewed the terms and am ready to move forward pending a few items:

1. Earnest Money: Please confirm the deposit amount and escrow holder.
2. Inspection Window: I propose a 5‑day inspection period, after which we can discuss any repair requests.
3. Closing Date: My schedule allows for closing [Date]; let me know if that works for you.

I’ve attached the Seller’s Property Disclosure and a copy of the Current Mortgage Payoff Statement for your lender.

Once we agree on the above, I’ll forward the fully executed Purchase & Sale Agreement to our escrow officer.

Looking forward to a smooth transaction,
[Your Name]
Phone: [Your Phone]
Email: [Your Email]

Tip: Keep tone professional but friendly. Attach PDFs directly from Sellable’s document center to avoid version confusion.

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3. Legal Caveats When Using Documents

Bottom line: Always have a licensed real‑estate attorney review any contract before you sign. Sellable offers a network of vetted attorneys for a flat $399 fee per review.

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4. Example Calculations (2026)

Example A – $300,000 Home, 5% Agent Commission

1. Agent scenario:

   • Commission = $15,000
   • Closing costs (1.5%) = $4,500
   • Mortgage balance = $180,000
   • Net proceeds = $300,000 – $15,000 – $4,500 – $180,000 = $100,500

2. Sellable scenario (flat fee + 0.5% marketing):

   • Flat fee = $1,495
   • Marketing boost = $1,500 (0.5% of price)
   • Closing costs = $4,500
   • Mortgage balance = $180,000
   • Net proceeds = $300,000 – $1,495 – $1,500 – $4,500 – $180,000 = $112,505

Savings: $12,005 (12% of sale price).

Example B – $475,000 Home, 6% Agent Commission

Savings: $24,130 (5.1% of sale price).

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5. Sources and Assumptions

• National Association of Realtors (NAR) – 2025‑2026 commission surveys (used for typical 5‑6% rates).
• U.S. Census Bureau – 2026 home price median data (for price ranges).
• State Real‑Estate Commissions – 2026 disclosure and contract form requirements.
• Sellable pricing page (accessed May 11 2026) – flat‑fee and optional marketing costs.

All numbers are approximations. Verify local commission norms, closing cost percentages, and mortgage payoff amounts before finalizing your listing.

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Frequently Asked Questions

1. How accurate is the commission calculator?
It uses the rates you input (agent % vs. Sellable flat fee). Accuracy depends on realistic closing‑cost estimates and up‑to‑date mortgage payoff figures.

2. Can I add a buyer’s agent commission on top of Sellable’s fee?
Yes. Offer a standard 2.5% to the buyer’s agent; it does not affect Sellable’s flat fee.

3. Do I need an attorney to review the Purchase & Sale Agreement?
In every state, a licensed attorney can protect you from undisclosed liabilities. Sellable’s vetted network charges a flat $399 per review.

4. What happens if my buyer backs out after the inspection?
Your contract should include an earnest‑money deposit and a contingency window. If the buyer breaches, you keep the deposit and can relist.

5. Is the $1,495 Sellable fee refundable if the house doesn’t sell?
The fee covers listing, MLS feed, and document storage. It is non‑refundable, but you keep all marketing assets for future listings.