Georgia seller net sheet calculator

What a Georgia seller walks away with after commission, payoffs, title, and transfer taxes. Rates and closing customs below are verified for Georgia; the calculator applies them for you, down to the county.

Calculate a Georgia net sheet Plans and pricing

State transfer tax: $1.00 per $1,000 ($0.10 per $100)
Owner's title policy: Buyer pays
Seller costs on $400,000: About $20,475

Georgia transfer tax

Georgia charges the real estate transfer tax of $1.00 per $1,000 ($0.10 per $100), customarily paid by the seller.

Who pays is local custom and can be changed in the contract. Rates verified 2026-09-29.
Tax	Level	Rate	Customarily paid by
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

With no county or city chosen, split by local custom.
Sale price	Seller pays	Buyer pays	Total
$250,000	$250	$0	$250
$500,000	$500	$0	$500
$1,000,000	$1,000	$0	$1,000

Example Georgia seller net sheet

A $400,000 sale with a 5% commission and a $250,000 mortgage payoff. Seller closing costs come to about $20,475, or 5.1% of the price.

Title and settlement fees are typical estimates, not quotes.
Line	Seller
Sale price	$400,000
First mortgage payoff	−$250,000
Real estate commission (5%)	−$20,000
Real estate transfer tax	−$400
Release / satisfaction recording	−$25
Wire / courier / payoff processing	−$50
Estimated net before property tax prorations	$129,525

Run it with your own numbers. Choose the county to add local taxes, and enter the closing date to prorate property taxes.

Who pays what in Georgia

Buyer customarily pays the owner's policy in Georgia. Closings are usually handled by an attorney, and an attorney is customarily required at closing. The settlement or escrow fee is customarily paid by the buyer.

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.

Property tax prorations

Property taxes are paid in arrears. The typical effective rate is about 0.9% of value per year. Bills issued Aug-Oct for the calendar year; seller credits buyer for the unpaid portion.

Mortgage taxes

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

Tax	Level	Rate	Customarily paid by
Intangible recording tax on new loan	State	$1.50 per $500 (max $25,000)	Buyer

Sources

Verified 2026-09-29. A net sheet is an estimate, not a closing statement or tax advice. Final figures come from the title or escrow company. See a rate that looks wrong? Email [email protected].

Georgia net sheet questions

Does Georgia have a real estate transfer tax?

Georgia charges the real estate transfer tax of $1.00 per $1,000 ($0.10 per $100), customarily paid by the seller.

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

With no county or city chosen, the transfer tax on a $500,000 sale is about $500, customarily paid by the seller.

How much are seller closing costs in Georgia?

On a $400,000 sale with a 5% commission, estimated seller costs in Georgia come to about $20,475 (5.1% of the price), including $20,000 of commission. Without commission, closing costs are about $475. Local taxes, the payoff, and property tax prorations change the final number.

Who pays for title insurance in Georgia?

Buyer customarily pays the owner's policy in Georgia.

Who handles the closing in Georgia?

Closings are usually handled by an attorney, and an attorney is customarily required at closing.

How are property taxes prorated when selling a home in Georgia?