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Georgia seller net sheet and closing costs

A Georgia seller pays about $16,140 to close on a $315,000 home. That is 5.1% of the price, with a 5% commission. Without the commission, costs are about $390, including $315 of transfer tax. $315,000 is close to the typical home value in Georgia.

See what a Georgia seller keeps after commission, loan payoffs, title and transfer taxes. We checked Georgia 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 Georgia seller net sheet calculator Plans and pricing

Free Georgia seller net sheet calculator

Change any number and the local costs update.

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Real estate commission (5%)−$15,750
First mortgage payoff−$190,000
Real estate transfer tax−$315
Release / satisfaction recording−$25
Other closing fees−$50
Estimated net to seller$108,860

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
$1.00 per $1,000 ($0.10 per $100)
Owner's title policy
Buyer pays
Seller costs on $315,000
About $16,140

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

A Georgia seller pays about $16,140 to close on a $315,000 sale. That is 5.1% of the price. It counts a 5% commission. The table also takes out a $190,000 mortgage payoff, which leaves about $108,860. The calculator above shows the same sale.

LineSeller
Sale price$315,000
First mortgage payoff−$190,000
Real estate commission (5%)−$15,750
Real estate transfer tax−$315
Release / satisfaction recording−$25
Wire / courier / payoff processing−$50
Estimated net before the property tax split$108,860
 Title and settlement fees are typical estimates, not quotes.

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

Does Georgia have a transfer tax?

Yes. Georgia charges the real estate transfer tax. The rate is $1.00 per $1,000 ($0.10 per $100). The seller usually pays it.

TaxLevelRateWho usually pays
Real estate transfer taxO.C.G.A. 48-6-1: $1 on the first $1,000 and $0.10 on each additional $100 or fraction.State$1.00 per $1,000 ($0.10 per $100)Seller
 Who pays is local custom. The contract can change it. Rates checked 2026-09-29.
Sale priceSeller paysBuyer paysTotal
$250,000$250$0$250
$500,000$500$0$500
$1,000,000$1,000$0$1,000
 No county or city chosen. Split by local custom.

Who pays closing costs in Georgia?

In Georgia, the seller usually pays the agent commission, their own loan payoff and the real estate transfer tax. The buyer usually pays the lender fees, the lender's title policy and the owner's title policy. The buyer usually pays the settlement or escrow fee.

The buyer usually pays for the owner's title policy in Georgia. In Georgia, 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.

Georgia requires a licensed attorney to conduct closings; the closing attorney's fee is customarily paid by the buyer. Seller pays the transfer tax and deed preparation.

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 Georgia?

Each side pays the taxes for the days it owns the home. Property taxes in Georgia are paid in arrears, after the period they cover. So the seller usually credits the buyer for unpaid days up to closing. Taxes run about 0.9% of the home's value per year. Bills issued Aug-Oct for the calendar year; seller credits buyer for the unpaid portion.

Does Georgia tax the buyer's mortgage?

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

TaxLevelRateWho usually pays
Intangible recording tax on new loanState$1.50 per $500 (max $25,000)Buyer

Sources

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].

Georgia net sheet questions

Does Georgia have a real estate transfer tax?

Yes. Georgia charges the real estate transfer tax. The rate is $1.00 per $1,000 ($0.10 per $100). The seller usually pays it.

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

About $500, with no county or city chosen. The seller usually pays it.

How much are seller closing costs in Georgia?

About $16,140 on a $315,000 sale with a 5% commission. That is 5.1% of the price. The commission is $15,750 of it. Without the commission, closing costs are about $390. Local taxes and the property tax split change the final number.

Who pays for title insurance in Georgia?

The buyer usually pays for the owner's title policy in Georgia. The buyer pays for the lender's policy.

Who handles the closing in Georgia?

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

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

Each side pays the taxes for the days it owns the home. Property taxes in Georgia are paid in arrears, after the period they cover. So the seller usually credits the buyer for unpaid days up to closing. Taxes run about 0.9% of the home's value per year. Bills issued Aug-Oct for the calendar year; seller credits buyer for the unpaid portion.

Georgia net sheets by county

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

Georgia net sheets by city

These are the 80 largest of 117 Georgia cities with a page. Each county page lists its own cities.

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