Know what you'll walk away with.
An itemized seller net sheet with the real transfer, recordation, and grantor's tax rates for all 158 counties and cities in Maryland, DC, and Virginia, plus commission, payoffs, prorations, and title fees. Rates checked October 23, 2026. Print it, share it, or email it to yourself.
Where is the home?
The sale
Even split, the Maryland custom.
What you owe on the home
Commission
Property taxes
Maryland bills annually in July for July 1 to June 30, due September 30. Estimate uses the FY2027 Montgomery County rate of $1.0401 plus the State rate of $0.112 per $100 (county rate includes special district levies); towns add their own.
Credits and extras
Anything else
Estimated net proceeds
$245,966
$600,000 sale in Montgomery County, MD, closing Dec 7, 2026
- Transfer taxes and recording
- $7,005
- Maryland state transfer tax 0.5% of price; seller pays 50% of $3,000
- $1,500
- Montgomery County transfer tax 1% of price; seller pays 50% of $6,000
- $3,000
- Montgomery County recordation tax $4.45 per $500 on $0 to $500,000, $6.75 per $500 on $500,000 to $600,000, $10.2 per $500 on $600,000 to $750,000, $10.78 per $500 on $750,000 to $1,000,000, $11.35 per $500 above $1,000,000; first $100,000 exempt (buyer will occupy); seller pays 50% of $4,910
- $2,455
- Record release of mortgage $50 clerk fee per release
- $50
- Real estate commission
- $30,000
- Listing agent commission (2.5%)
- $15,000
- Buyer's agent compensation (2.5%)
- $15,000
- Title and settlement
- $930
- Seller settlement / closing fee
- $500
- Deed preparation
- $200
- Release processing / tracking
- $125
- Payoff statement fee
- $30
- Overnight / courier / wire
- $75
- Prorations and credits
- −$3,901
- Property tax credit to seller 206 days paid past closing at $19/day (taxes paid through Jun 30, 2027)
- −$3,901
- Loan payoffs
- $320,000
- First mortgage payoff
- $320,000
- Sale price
- $600,000
- Closing costs
- − $37,935
- Credits to you
- + $3,901
- Loan payoffs
- − $320,000
- Estimated net proceeds
- $245,966
Estimate only, not a quote. Transfer and recordation taxes use the published rates for Montgomery County as of October 23, 2026; title fees are typical local ranges you can edit. Property tax prorations assume a 365-day year and the county rate on the sale price, before any municipal tax or credits. Confirm every figure with your title company before you sign.
Straight answers
Which taxes does a seller pay in Maryland?
Three show up at closing: the state transfer tax (0.5% of the price), the county transfer tax (0% to 1.5% depending on the county), and the recordation tax (set per $500 by each county). Custom is an even split of all three between buyer and seller, written into the contract. When the buyer is a first-time Maryland homebuyer the state transfer tax drops to 0.25% and the seller pays all of it. The calculator applies the right county rates and lets you change the split.
What does a seller pay in DC?
The deed transfer tax: 1.1% of the price up to $400,000, or 1.45% of the whole price above that. The buyer pays the matching recordation tax. Beyond that, the usual title-side items: release recording, a settlement fee, and deed preparation.
What does a seller pay in Virginia?
The grantor's tax, which is $0.50 per $500 of the price statewide (0.1%). In Northern Virginia the regional congestion relief and WMATA fees add to that, and Hampton Roads has its own regional fee, all paid by the seller. The buyer pays the state and local recordation taxes on the deed. The calculator applies the right regional fees automatically for every county and independent city.
How accurate is this?
The tax lines use the rates published by each state, county, and city, with the source and the date it was checked listed under Sources on the sheet. The title and settlement fees are typical local ranges you can edit, because every title company sets its own. Property tax prorations assume a 365-day year and the county rate on your sale price. Treat the result as a close estimate, and confirm the final figures with your title company before you sign.
Why is the commission split into two lines?
Since August 2024, what you pay your listing brokerage and what, if anything, you offer the buyer's brokerage are separate, negotiable terms. Some sellers offer buyer-side compensation to widen the pool of buyers who can afford to close; others offer none and handle it in the offer. The calculator keeps both visible so you can see what each choice does to your net.
What is a property tax proration?
Property taxes are billed in advance in Maryland (July 1 fiscal year) and in halves in DC (October 1 fiscal year) and most of Virginia (calendar year). At closing, the title company credits whichever side paid for days they did not own the home. If your bill is paid past the closing date, you get money back; if a bill is still open, you pay your share through closing. The calculator reads the local billing calendar to guess which, and you can set the paid-through date yourself.
Calculator results are estimates for illustration only, based on your inputs and national average rates. They are not a quote, an appraisal, a pre-approval, or a commitment to lend. Your actual numbers depend on your credit, your county’s taxes and insurance, and the lender you choose.
Want the real number, not an estimate?
A pricing opinion from Sean puts a market value next to this sheet, so you know what your home would bring and what you would keep. No listing commitment.