"We're selling for $300,000!" That's exciting — until you do the math on what you actually walk away with. Between commissions, fees, and payoff costs, selling a home takes a real bite out of the sale price. Here's an honest breakdown for Louisiana sellers.
Agent commissions
The biggest line item. Traditionally, the total commission runs around 5–6% of the sale price, split between the listing side and the buyer's side. On a $300,000 sale, that's $15,000–$18,000. Commission structures have gotten more flexible and negotiable in recent years — discuss the options openly with any agent you interview, and make sure you understand exactly what services you're getting.
Title and closing fees
Expect title search, title insurance for the buyer, settlement fees, and recording charges. In Louisiana, sellers typically pay for the buyer's title policy as part of local custom — budget roughly 1% of the sale price for your side of the closing costs.
Mortgage payoff
Your remaining loan balance comes off the top, plus any prorated interest and possibly a small payoff statement fee. If you have a HELOC or second mortgage, those get paid at closing too.
Taxes and prorations
Property taxes are prorated to the closing date — you'll pay your share for the days you owned the home this year. Louisiana property taxes are relatively low compared to many states, but on a $300,000 home it still adds up.
Repairs and concessions
Most sellers spend something here: inspection repairs, a buyer-requested credit, or a closing-cost concession. Budget at least a few thousand dollars even on a clean transaction — and more if your home is older or the inspection turns up real issues.
Pre-listing costs
Staging supplies, minor repairs, fresh paint, professional photos, maybe a pre-listing inspection. These come out of pocket before you see a dime, but they pay back in a faster sale at a better price.
A realistic example
On a $300,000 sale with a $200,000 mortgage balance:
- Sale price: $300,000
- Commission (~6%): −$18,000
- Closing costs (~1%): −$3,000
- Mortgage payoff: −$200,000
- Repairs/concessions: −$5,000
- Estimated net: ~$74,000
Your numbers will differ — but now you know the shape of the math.
Thinking about selling in Baton Rouge? I'll run your specific numbers so there are no surprises — call or text (225) 570-1234.
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