Selling a Home in Lowell, Massachusetts
Lowell sits in Middlesex County. Massachusetts sellers pay a layered transfer tax — state, county, and (in some municipalities) a city-level tax on top. The calculator above applies the correct rates for Lowell automatically, alongside agent commissions, the owner's title insurance policy, attorney and escrow fees, and recording fees.
Lowell Transfer Tax & Closing Costs
Massachusetts uses an attorney-closing model. The seller customarily pays the full deeds excise tax, the owner's title insurance policy, and their own attorney's fee. The buyer's lender typically requires a lender's title policy paid by the buyer. Recording fees in Middlesex County are a small fixed cost at closing.
How to Estimate Your Lowell Net Proceeds
- Sale Price: Start with the agreed contract price for your Lowell property.
- Mortgage Payoff: Subtract your remaining loan balance and accrued interest.
- Transfer Taxes: Apply the state, county, and any city-level transfer tax.
- Closing Costs: Deduct commissions, owner's title insurance, attorney/escrow, and recording fees.
Lowell Net Proceeds = Sale Price − Mortgage Payoff − Commissions − Transfer Taxes − Closing Costs