Seller · Local Q&A
How do I compare offers by what I keep from selling my Philadelphia-suburbs home?
Compare estimated net proceeds: the money left after sale costs and paying off your mortgage. In Chester, Montgomery and Delaware Counties, make a separate estimate for each offer. Include credits, agreed fees, taxes, repairs and the closing date. A higher price can still leave you with less money or more risk.
Can a lower offer leave me with more money?
Yes. For example, a $500,000 offer with a $15,000 seller credit leaves $485,000 before other costs. A $495,000 offer with no credit leaves $495,000. That is a $10,000 gap before other terms. These are sample numbers to show how credits work. They are not a local price estimate or a full closing statement.
Which local costs belong on the estimate?
Include state and local transfer taxes, closing fees, tax adjustments and any town or HOA charges that apply. Ask the closing company to check the costs for your exact home. Have it explain who pays each bill under your contract. Do not assume each county or town charges the same transfer tax.
Are real estate commissions and seller credits fixed?
No. You can negotiate broker pay; the law does not set it. Read the services and pay terms in your written agreements. Seller credits can also be negotiated, but the buyer's loan rules may limit them. Ask the lender and closing company to check that the buyer can use the full proposed credit.
What should I compare besides the estimated dollars?
Review the loan, inspection and appraisal terms, deposit, due dates and any need for the buyer to sell first. Match the closing date to your next move. Request a mortgage payoff for that date. A sound offer review shows the money, the conditions and what each side must still do to close.
Takeaway
Ask Saiid Zamani to compare offers on one sheet. Have the closing company check the final figures.