Alabama seller net sheet and closing costs

An Alabama seller pays about $11,635 to close on a $200,000 home. That is 5.8% of the price, with a 5% commission. Without the commission, costs are about $1,635, including $40 of transfer tax. $200,000 is close to the typical home value in Alabama.

See what an Alabama seller keeps after commission, loan payoffs, title and transfer taxes. We checked Alabama rates and customs on 2026-09-29. The calculator applies them down to the county.

Rates last checked September 2026. Reviewed by Harrison Farrell, founder. How we get these numbers

Free Alabama seller net sheet calculator Plans and pricing

Free Alabama seller net sheet calculator

Change any number and the local costs update.

Seller net sheetBuyer cash to close

County

Sale price

Commission

Loan payoff

Rebate from the agent, credited at closing

Real estate commission (5%)	−$10,000
First mortgage payoff	−$120,000
Deed recording tax	−$40
Release / satisfaction recording	−$25
Title insurance and settlement	−$1,525
Other closing fees	−$45
Estimated net to seller	$68,365

Set for a July 1 closing. The full calculator adds your own date, credits, a PDF and email. Open the full net sheet

State transfer tax: $0.50 per $500 of price above the new mortgage
Owner's title policy: Seller pays
Seller costs on $200,000: About $11,635

How much does it cost to sell a house in Alabama?

An Alabama seller pays about $11,635 to close on a $200,000 sale. That is 5.8% of the price. It counts a 5% commission. The table also takes out a $120,000 mortgage payoff, which leaves about $68,365. The calculator above shows the same sale.

Title and settlement fees are typical estimates, not quotes.
Line	Seller
Sale price	$200,000
First mortgage payoff	−$120,000
Real estate commission (5%)	−$10,000
Deed recording tax	−$40
Owner's title insurance policy	−$825
Settlement / closing fee	−$350
Seller's attorney fee	−$350
Release / satisfaction recording	−$25
Wire / courier / payoff processing	−$45
Estimated net before the property tax split	$68,365

Run it with your own numbers. Pick the county to add local taxes. Enter the closing date to split property taxes.

Does Alabama have a transfer tax?

Yes. Alabama charges the deed recording tax. The rate is $0.50 per $500 of price above the new mortgage. The seller usually pays it.

Who pays is local custom. The contract can change it. Rates checked 2026-09-29.
Tax	Level	Rate	Who usually pays
Deed recording taxAla. Code 40-22-1: only the value in excess of a mortgage recorded with the deed (on which mortgage tax is paid) is taxable, so a purchase-money loan reduces the base.	State	$0.50 per $500 of price above the new mortgage	Seller

No county or city chosen. Split by local custom.
Sale price	Seller pays	Buyer pays	Total
$250,000	$50	$0	$50
$500,000	$100	$0	$100
$1,000,000	$200	$0	$200

Who pays closing costs in Alabama?

In Alabama, the seller usually pays the agent commission, their own loan payoff, the deed recording tax and the owner's title policy. The buyer usually pays the lender fees and the lender's title policy. Buyer and seller usually split the settlement or escrow fee.

The seller usually pays for the owner's title policy in Alabama. Commonly seller in most of Alabama; negotiable. In Alabama, each title insurer files its own rates. So prices differ between title companies. The net sheet uses typical rates. The title company that runs the closing gives the final quote. An attorney usually handles the closing. By custom, an attorney is required.

Attorney closings. Deed tax customarily seller; mortgage tax buyer.

NetSheet.org is not tied to any title company. The net sheet works with any title or escrow company. See how it compares with title company net sheet tools.

How are property taxes split at closing in Alabama?

Each side pays the taxes for the days it owns the home. Property taxes in Alabama are paid in arrears, after the period they cover. So the seller usually credits the buyer for unpaid days up to closing. The tax year starts in October. Taxes run about 0.4% of the home's value per year. Fiscal year Oct 1-Sep 30, billed Oct 1 in arrears; seller credits buyer.

Does Alabama tax the buyer's mortgage?

Yes. Alabama also taxes the buyer's new mortgage. These taxes are on the buyer's side of the closing, not the seller's net sheet.

Tax	Level	Rate	Who usually pays
Mortgage recording tax	State	$0.15 per $100	Buyer

Sources

revenue.alabama.gov

Checked 2026-09-29. A net sheet is an estimate. It is not a closing statement or tax advice. The title or escrow company gives the final figures. See a rate that looks wrong? Email [email protected].

Alabama net sheet questions

Does Alabama have a real estate transfer tax?

Yes. Alabama charges the deed recording tax. The rate is $0.50 per $500 of price above the new mortgage. The seller usually pays it.

How much is the transfer tax on a $500,000 home in Alabama?

About $100, with no county or city chosen. The seller usually pays it.

How much are seller closing costs in Alabama?

About $11,635 on a $200,000 sale with a 5% commission. That is 5.8% of the price. The commission is $10,000 of it. Without the commission, closing costs are about $1,635. Local taxes and the property tax split change the final number.

Who pays for title insurance in Alabama?

The seller usually pays for the owner's title policy in Alabama. Commonly seller in most of Alabama; negotiable. The buyer pays for the lender's policy.

Who handles the closing in Alabama?

An attorney usually handles the closing. By custom, an attorney is required.

How are property taxes prorated when you sell a home in Alabama?

Alabama net sheets by county

Each county page shows local taxes and a net sheet at the county's typical price.

Alabama net sheets by city

Here are all 70 Alabama cities with a page. Each county page lists its own cities.

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