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Vermont Home Seller Net Proceeds Calculator

Vermont has no state transfer tax. Get an instant estimate — no login or sign-up required.

Vermont has no state transfer tax — city selection is for context only.

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Brokerage Commissions

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Total Commissions$0.00

Estimated Net Proceeds

$0.00

Sale Price$0.00
Commissions- $0.00
Mortgage Payoff- $0.00
Owner's Title Insurance- $0.00
Escrow / Closing Fee- $0.00
Recording Fee- $0.00

Vermont has no state transfer tax on residential sales. Title insurance, escrow, recording, and HOA transfer fees vary by provider and community. Consult an escrow officer, settlement attorney, or tax professional for exact figures.

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Selling a Home in Vermont

Vermont has a Property Transfer Tax (PTT) of 0.5% on the first $100,000 of value and 1.45% above — but it is customarily paid by the BUYER, not the seller, so it does not reduce your net proceeds. Sellers should also be aware of the Vermont Land Gains Tax, which applies only to short-term flips of undeveloped land held less than three years; most principal-residence sales are exempt. The biggest seller-side line items in Vermont are agent commissions, the owner's title insurance policy, attorney/settlement fees, recording fees, and any HOA transfer fees.

Vermont Title Insurance & Closing Costs

Vermont uses an attorney-closing model. The seller customarily pays for the owner's title insurance policy and their own attorney fee. The Property Transfer Tax is buyer-paid and excluded from the seller's net. Non-resident sellers face 2.5% withholding on the gross sale price at closing, reconciled when filing the Vermont return.

How to Estimate Your Vermont Net Proceeds

  1. Sale Price: Start with the agreed-upon contract price.
  2. Mortgage Payoff: Subtract your remaining loan balance and accrued interest through closing.
  3. Closing Costs: Deduct commissions, owner's title insurance, escrow/settlement, recording, and HOA fees.
  4. No State Transfer Tax: Vermont sellers skip the state-level transfer/excise tax line entirely.

Vermont Net Proceeds = Sale Price − Mortgage Payoff − Commissions − Closing Costs

Key Factors to Consider

  • Property Transfer Tax (Buyer-Paid): Vermont's PTT (0.5% on the first $100K, 1.45% above; lower rates for primary residences under VHFA programs) is customarily paid by the BUYER and does not reduce your net proceeds.
  • Land Gains Tax (Limited Cases): Vermont's Land Gains Tax applies to short-term flips of undeveloped land held less than three years. Principal residences and most developed-property sales are exempt — confirm with your attorney.
  • Non-Resident Withholding: Out-of-state sellers face 2.5% withholding on the gross sale price at closing, reconciled when filing the Vermont return.
  • Title Insurance: The seller customarily pays the owner's title insurance policy that protects the buyer.
  • Attorney Fees: Vermont closings are attorney-supervised; the seller pays their own attorney fee.

Why use this tool?

Most national net-sheet calculators assume a state transfer tax that doesn't apply in Vermont — they'll overstate your closing costs by thousands. This calculator applies the actual Vermont cost structure so you see what you'll actually walk away with at closing.

Need more accuracy?

This tool provides general estimates only. Confirm exact figures with your title or settlement company, and consult a qualified tax professional regarding federal capital gains or other obligations specific to your sale.

Vermont Seller FAQ