Selling a Home in Plano: Costs, Fees, and Net Proceeds

If you are downsizing, the question is rarely “What will my home sell for?” The real question is what you will actually walk away with after everything is paid.

Hi, I’m Sharon Yeary, your trusted Texas Broker. This Plano seller guide is designed to give you clarity, reduce surprises, and help you estimate net proceeds from selling a home in Plano with a simple, realistic example.

Cost to sell a home in Plano TX: the big buckets

Most seller expenses fall into these categories:

• Real estate commission (negotiated)

• Seller closing costs (title and settlement items vary by contract and local custom)

• Prorations (most commonly property taxes and HOA dues)

• Negotiated items (concessions or repair credits)

• Pre listing prep and touch ups

• Moving costs (not on your closing statement, but real money)

Texas seller closing costs commonly include title and transaction fees, plus prorated property taxes and HOA fees through closing.

Real estate commission in Plano Texas

Commissions are negotiable, and the way buyer agent compensation is handled has evolved since the 2024 changes. In practice, you will still see a range, and the cleanest way to estimate net proceeds is to model outcomes.

For this guide, we will show 5% and 6% scenarios so you can see the difference.

Closing costs for sellers in Plano TX: what surprises sellers most

For downsizing homeowners, the most confusing line items are usually prorations, especially:

• Property tax prorations

• HOA prorations

Because they change based on the closing date and can feel like unexpected charges.

Plano home seller fees breakdown with a simple net proceeds example

Example assumptions (for education only):

• Sale price: $650,000

• Closing month: June

• Commission: 5% to 6%

• Seller concession: 1%

• Prep and touch ups: $5,000

• Title and settlement estimate: 0.5% to 1.0%

• Property taxes: 2.2% to 2.8% annually, prorated through a mid June closing

• HOA: $100 to $150 per month, prorated

• Moving costs: $1,500 to $10,000 (separate from closing statement)

Texas title insurance premiums are regulated. For example, the basic premium for an owner policy at $650,000 is listed around $3,497 on a March 1, 2026 schedule, before other settlement items.
More broadly, owner’s title policy costs are often estimated around 0.5% to 1.0%.

Net proceeds table

$650,000 Plano Net Proceeds Example (June Closing)

Line Item Low Estimate High Estimate
Sale Price $650,000 $650,000

Commission (5% to 6%) $32,500 $39,000
Seller Closing Costs (Title and settlement 0.5%–1%) $3,250 $6,500
Seller Concessions (1%) $6,500 $6,500
Prep and Touch Ups $5,000 $5,000

Property Tax Proration (2.2%–2.8% annual, mid June) $6,470 $8,234
HOA Proration (100–150 per month, approx half month) $50 $75

Estimated Net Proceeds (before moving) $596,196 $584,648

Moving Costs (not on closing statement) $1,500 $10,000

Estimated True Net After Moving $594,696 $574,648

Quick answers

How much do sellers pay in closing costs in Plano?

It varies, but seller closing costs commonly include title and settlement items plus prorations like property taxes and HOA dues through closing.

What sellers walk away with after selling in Plano

Your net depends on sale price minus commission, seller closing costs, prorations, concessions, and prep. The simplest way to avoid surprises is to request a personalized net sheet early.

What is the biggest lever in net proceeds?

Usually commission structure and negotiated concessions, followed by taxes and the cost of preparation.

Plano TX home selling process: how to get a precise number

If you want a clean estimate for your specific home, here is the order I recommend:

1. Estimate sale price range based on current competition and recent sales.

2. Confirm mortgage payoff (even if you believe it is paid off, confirm any liens).

3. Run a net sheet with two or three scenarios (commission range, concession range).

4. Estimate prorations using a realistic closing date.

5. Decide what prep is worth it based on buyer expectations in your price band.

This is how you turn “rough guesses” into a plan you can trust.

Hi, I’m Sharon Yeary, your trusted Texas Broker. If you are planning your next move, I can help you create a smart strategy that fits your goals, timeline, and priorities.

Let’s talk about your next move.
Call: 832-388-9945
Website: sharcomrealty.com
Email: [email protected]
Schedule a calendar consultation: https://sharcomrealty.com/schedule-call