Michigan seller closing cost calculator

The short version: what selling costs in dollars and as a share of the price, before your loan payoff. For your take-home figure, use the seller net sheet calculator.

Sale price

Commission and fees

Listing agent

Buyer's agent

Examples only. Commission is negotiable and set in your agreements; these are not a standard rate or Raven's rate.

Brokerage transaction fee

Raven's is $395 on each listing side. Other brokerages set their own.

Credits to the buyer

Repairs or closing cost help you agree to.

Title

Title closing fee

An example. Title companies set their own fee, and your agreement decides how it is split.

You pay for the owner's title policy. Either side can buy it; your purchase agreement says who pays.

A title company's figure

Optional. Without one we use the filed rate: $1,955 on this price.

Transfer tax

The state tax exemption applies. It can apply to a principal residence whose state equalized value has not risen since you bought it (MCL 207.526(u)). The county tax still applies.

Estimated cost to sell

$26,910

7.7% of the sale price. An estimate, not a closing statement.

Closing costs

Listing agent commission (3%): $10,500
Buyer's agent commission (3%): $10,500
Brokerage transaction fee: $395
State transfer tax: $2,625
County transfer tax: $385
Owner's title policy: $1,955
Title closing fee: $550
Total: $26,910

Add your payoff and tax split to see what you'd walk away with

Have an agent check these numbers

How we figure it

Commission: A percentage of the sale price, set in your listing agreement. It is negotiable and not set by law. The 3% figures are examples, not a standard rate or Raven's rate.
Transfer tax: $3.75 for the state and $0.55 for the county on each $500 of the price, or part of $500. That is $8.60 per $1,000.
Title: The owner's policy at the filed rate on the sale price, rounded up to the next dollar, and the title company's closing fee. The closing fee is an example; ask for a quote.
Brokerage fee: Raven charges a $395 transaction fee on each listing side, disclosed before you sign. Other brokerages set their own.

A worked example

Illustrative example, with 3% to each agent and a $550 closing fee as examples, and the owner's policy at the filed rate.
Sale at $250,000	$19,702 (7.9%)
Sale at $350,000	$26,910 (7.7%)
Sale at $500,000	$37,681 (7.5%)

Questions

What are seller closing costs in Michigan?

Commission, the state and county transfer tax, the owner's title policy if you provide it, the title company's closing fee, and any credits you agree to give the buyer. Your loan payoff and the property tax split come out of your proceeds too; the net sheet adds those.

How much are seller closing costs in Michigan?

It depends on the price and what you agree to. On a $350,000 sale with 3% to each agent as an example, our calculator comes to $26,910, or 7.7% of the price. Without commission it is $5,910.

Can I avoid the state transfer tax?

Possibly. If the home was your principal residence and its state equalized value when you sell is equal to or lower than when you bought, the state tax may not apply (MCL 207.526(u)). The county tax still does. Tick the exemption in the calculator to see the difference, and ask your title company to confirm it.

Does the seller pay for title insurance in Michigan?

Either side can buy the owner's policy, and your purchase agreement says who pays. Michigan's Department of Insurance and Financial Services notes there is likely a local custom. The buyer's lender's policy is the buyer's cost.

Sources

Stewart Title, Michigan residential rate manual, effective February 17, 2025
First American Title, Michigan basic rate sheet, effective November 16, 2024
MCL 207.526, state transfer tax exemptions
MCL 207.505, county transfer tax exemptions

Checked October 31, 2026.

Keep going

Have an agent check these numbers

A Raven agent will go over your figures against your home and your market, and tell you which lines to firm up. Your numbers come with this form.

Estimate only, not a closing statement, a quote or an offer. Rates and fees change, and your title company produces the final figures. General information, not legal or tax advice.