Virginia seller net sheet calculator

Virginia sellers pay the grantor tax of 0.1% of the price, and in Northern Virginia two regional fees bring it to about 0.3%. The buyer pays the recordation taxes.

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

State Closing date

Virginia: Grantor tax: 0.1% of the price, usually paid by the seller. Owner’s title is usually paid by the buyer.

Sale price

$

Mortgage payoff

$

Commissions

Listing agent

Buyer’s agent

Estimated net to seller $172,870

43%keeps

Sale price$405,000
Commissions−$22,275
- Listing agent commission (3%)est.−$12,150
- Buyer’s agent compensation (2.5%)est.−$10,125
Loans and liens−$205,000
- Mortgage payoff−$205,000
Title and closing−$700
- Settlement or escrow feeest.−$600
- Recording and release feesest.−$100
Taxes−$4,155
- Grantor tax−$405
- Property taxes (prorated)est.−$3,750
Net to seller$172,870

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 Virginia sale, worked out

The calculator opens on $405,000, about the median value of an owner-occupied home in Virginia ($403,500, 2024 Census estimate), with a $205,000 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 $4,855, or 1.2% of the price, for a closing on December 5, 2026. Virginia’s transfer tax on a $400,000 sale is the 30th highest of the 35 states and DC that have one.

Seller’s costs on $405,000, before commissions and the payoff
Settlement or escrow feeest.	−$600
Recording and release feesest.	−$100
Grantor tax	−$405
Property taxes (prorated)est.	−$3,750
Total	−$4,855

Estimates are tagged “est.”; the rest follow the state’s rules.

The grantor tax and title at other prices

Grantor tax is 0.1% of the price, usually paid by the seller. 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 grantor tax	Seller usually pays	Owner’s title policy
$250,000	$250	$250	$875est.
$500,000	$500	$500	$1,750est.
$750,000	$750	$750	$2,625est.
$1,000,000	$1,000	$1,000	$3,500est.
$2,000,000	$2,000	$2,000	$7,000est.

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

Selling in Virginia: what to know

Grantor tax

Virginia’s grantor tax is $0.50 per $500 (0.1%) of the price or value, whichever is greater, not counting loans that stay on the property, and the seller pays it unless the parties agree otherwise. Northern Virginia localities add a regional WMATA capital fee of 0.1% and a congestion relief fee of 0.1%, both paid by the seller, for about 0.3% in total.

Title insurance

The owner’s policy is optional in Virginia, and the buyer customarily pays for it.

Who runs the closing

Virginia closings are handled by settlement agents, either attorneys or licensed title and settlement companies. An attorney isn’t required, and the seller usually pays for deed preparation.

Property taxes

Virginia property tax is set by each locality. Many bill semiannually around June 5 and December 5 for the calendar year, but schedules differ, so the proration direction depends on the locality.

Local differences

Northern Virginia (localities in the regional transportation authority, including Fairfax, Arlington, Loudoun and Prince William counties and Alexandria): two extra seller-paid fees of 0.1% each. The local recordation tax has been confirmed for Fairfax County and is widely charged elsewhere.

Selling in Virginia: questions

Who pays the grantor tax in Virginia?

The seller pays Virginia’s 0.1% grantor tax unless the contract says otherwise. In Northern Virginia the seller also pays two regional fees of 0.1% each.

How much is the transfer tax in Northern Virginia?

About 0.3% for the seller: the 0.1% grantor tax plus a 0.1% regional WMATA capital fee and a 0.1% congestion relief fee.

Who prepares the deed when selling in Virginia?

The seller usually pays for deed preparation, handled through the settlement agent or an attorney.

How much are seller closing costs in Virginia?

Leaving out commissions, which are whatever the seller agrees, and the loan payoff, a Virginia seller’s costs on a $405,000 sale come to about $4,855 with the calculator’s estimates and a December 5, 2026 closing: settlement or escrow fee $600, recording and release fees $100, grantor tax $405, property taxes (prorated) $3,750. Put in your own numbers above for a closer figure.

Is anything I type saved?

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