Selling a Home in San Francisco, California
Factors impacting home sales in San Francisco include local transfer taxes and escrow regulations specific to the San Francisco real estate market. Whether you are selling a single-family home, condo, or investment property in San Francisco, understanding the typical seller closing costs—commissions, escrow fees, title insurance, city and county transfer taxes, and recording fees—can help you set realistic expectations for your net proceeds at closing.
San Francisco Transfer Taxes & Closing Costs
Our calculator automatically applies the documentary transfer tax rate for San Francisco, combining the county base rate with any city-specific add-on. Sellers in San Francisco should also budget for escrow administration fees, title insurance premiums (paid by the seller in most Southern California counties), an NHD report, and recording fees. If the property is part of an HOA or Mello-Roos district, additional transfer or document fees may apply at closing.
How to Estimate Your San Francisco Net Proceeds
- Total Sale Price: Start with the agreed-upon price for your San Francisco property.
- Mortgage Payoff: Subtract your remaining loan balance and accrued interest.
- Closing Costs: Deduct commissions, escrow, title, the San Francisco transfer tax, NHD, and recording fees.
- Tax Obligations: Account for any withholding, capital gains, or prorated property tax obligations.
San Francisco Net Proceeds = Sale Price − Mortgage Payoff − Closing Costs − Tax Obligations