Delaware seller net sheet calculator

Delaware has one of the highest transfer taxes in the country, typically 4% of the price, and the law splits it equally, so the seller usually pays about 2%. A Delaware attorney must handle the closing.

Delaware’s rules checked September 30, 2026Runs in your browser. Nothing you type is saved.

State Closing date

Delaware: Realty transfer tax: 4% of the price, usually paid by the buyer and seller together. Owner’s title is usually paid by the buyer. An attorney usually handles the closing.

Sale price

$

Mortgage payoff

$

Commissions

Listing agent

Buyer’s agent

Estimated net to seller $155,924

42%keeps

Sale price$370,000
Commissions−$20,350
- Listing agent commission (3%)est.−$11,100
- Buyer’s agent compensation (2.5%)est.−$9,250
Loans and liens−$185,000
- Mortgage payoff−$185,000
Title and closing−$1,600
- Settlement or escrow feeest.−$600
- Closing attorneyest.−$900
- Recording and release feesest.−$100
Taxes−$7,126
- Realty transfer tax (half)−$7,400
- Property tax credit (prorated)est.+$274
Net to seller$155,924

An estimate, not a closing statement. The title or escrow company and your lender provide the final figures, and the loan payoff comes from the lender's payoff statement. Commissions are negotiable.

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A Delaware sale, worked out

The calculator opens on $370,000, about the median value of an owner-occupied home in Delaware ($371,600, 2024 Census estimate), with a $185,000 mortgage payoff as an example. Commissions are whatever the seller agrees, so they’re left out here.

Before commissions and the payoff, the seller’s costs come to about $8,726, or 2.36% of the price, for a closing on December 5, 2026. Delaware’s transfer tax on a $400,000 sale is the 1st highest of the 35 states and DC that have one.

Seller’s costs on $370,000, before commissions and the payoff
Settlement or escrow feeest.	−$600
Closing attorneyest.	−$900
Recording and release feesest.	−$100
Realty transfer tax (half)	−$7,400
Property tax credit (prorated)est.	+$274
Total	−$8,726

A “+” is a credit to the seller: taxes the seller already paid for days after closing.

The realty transfer tax and title at other prices

Realty transfer tax is 4% of the price, usually paid by the buyer and seller together. The owner’s policy below is an estimate; your title company’s quote will differ. The buyer usually pays for it here, so it isn’t in the seller’s costs above.

Sale price	Whole realty transfer tax	Seller usually pays	Owner’s title policy
$250,000	$10,000	$5,000	$875est.
$500,000	$20,000	$10,000	$1,750est.
$750,000	$30,000	$15,000	$2,625est.
$1,000,000	$40,000	$20,000	$3,500est.
$2,000,000	$80,000	$40,000	$7,000est.

Counties or cities in Delaware can add a tax of their own. Add it under Other costs in the calculator.

Selling in Delaware: what to know

Realty transfer tax

Delaware’s realty transfer tax is usually 4% in total: 2.5% to the state plus 1.5% to the county or town. Where a locality levies less than 1.5%, the state rate is 3% instead. By law it is split equally between seller and buyer, so on a $400,000 sale each side pays about $8,000.

Title insurance

The buyer customarily pays for the owner’s policy in Delaware. Confirm with your settlement attorney.

Who runs the closing

Delaware requires a Delaware-licensed attorney to conduct or supervise real estate closings.

Property taxes

Delaware county and school taxes run July 1 to June 30. The annual bill goes out in summer and is due September 30, so taxes are paid in advance and the seller is usually credited for the unused part of the year. Some towns bill separately on their own schedule.

Selling in Delaware: questions

Who pays transfer tax in Delaware?

Delaware law splits the realty transfer tax equally between buyer and seller. With the usual 4% total, the seller pays about 2% of the price.

Does a first-time buyer lower the seller’s transfer tax in Delaware?

No. Delaware’s first-time buyer relief reduces only the buyer’s half. The seller still pays a full half of the tax.

Do you need an attorney to sell a house in Delaware?

Yes. A Delaware-licensed attorney must conduct or supervise the closing.

How much are seller closing costs in Delaware?

Leaving out commissions, which are whatever the seller agrees, and the loan payoff, a Delaware seller’s costs on a $370,000 sale come to about $8,726 with the calculator’s estimates and a December 5, 2026 closing: settlement or escrow fee $600, closing attorney $900, recording and release fees $100, realty transfer tax (half) $7,400, property tax credit (prorated) (a $274 credit). Put in your own numbers above for a closer figure.

Is anything I type saved?

No. The calculator runs in your browser and sends nothing to us. A copied link carries the numbers in the address itself, so only people you share it with can open them.