Keri Riley Homes · Missoula MT
What Will You
Actually Walk Away With?
Every Missoula seller deserves to know their real number before they list. Use this free calculator to see exactly what you will net after commission, title insurance, escrow, and your loan payoff. No surprises. No fine print.
Calculate My Net ProceedsNet Proceeds Calculator
Your Missoula Home Selling Cost Breakdown
Adjust the sliders to match your situation. All figures are estimates based on typical Missoula and Montana closing costs. For a precise number specific to your property, request a free CMA below.
Your Estimated Net Proceeds
Estimated Net Proceeds
$213,702
40.3% of sale price
These are estimates. Get a precise, property-specific number with a free CMA from Keri.
Get My Accurate EstimateUnderstanding Each Cost
What Every Missoula Seller Pays at Closing
Montana is one of the more seller-friendly states in the country. No transfer tax, lower-than-average title rates, and straightforward escrow costs. Here is what each line item means.
Title Insurance
Typically 0.4% to 0.6% of sale price
Protects the buyer against any ownership disputes or liens discovered after closing. In Montana, sellers typically pay for the owner's title policy. On a $530,000 sale at 0.5%, this is approximately $2,650.
Escrow and Settlement Fee
Typically $800 to $1,500 in Missoula
Paid to the title or escrow company that manages the closing process, holds funds, and ensures all documents are properly executed. In Missoula, this is often split between buyer and seller or paid by the seller depending on the contract.
Loan Payoff
Your remaining mortgage balance
Your lender will provide a payoff statement with the exact amount needed to close out your loan on the expected closing date. This is your largest deduction if you carry a mortgage, and includes any prepayment penalties if applicable (rare on standard loans).
Prepaid Interest
Typically 15 to 30 days of interest
Your mortgage accrues interest daily. At closing, you owe interest from your last payment date through the closing date. On a $280,000 balance at 6.5%, that is approximately $50 per day. A mid-month close means roughly 15 days, or $748.
Montana Transfer Tax
$0 — Montana has none
This is one of Montana's biggest advantages for sellers. Many states charge 0.1% to 2% of the sale price as a transfer or excise tax. Montana has no real estate transfer tax, saving Missoula sellers thousands compared to sellers in Colorado, California, or Washington.
The Mortgage Side
What Your Lender Will Tell You at Closing
Most sellers are surprised by a few mortgage-related items on their closing disclosure. Here is what to expect and why Keri's mortgage lending background matters for your bottom line.
Payoff statement vs. statement balance
Your online mortgage balance is not the same as your payoff amount. The payoff statement from your lender includes interest accrued through the closing date and sometimes a small processing fee. Always request this document early.
Daily interest accrual
Interest accrues every day you hold the loan. A closing date that slips by one week adds roughly $350 on a $280,000 balance at 6.5%. This is why your payoff statement has an expiration date, typically 30 days.
Escrow account refund
If your lender holds an escrow account for taxes and insurance, you will receive that balance back after closing, typically within 30 days. This is money coming back to you that many sellers forget to factor in.
Why Keri's background matters
As a licensed mortgage lender, Keri can read your closing disclosure line by line, catch errors before they cost you money, and help you understand every number before you sign. No other Missoula agent brings this to the table.
"Most sellers I meet have never seen a real breakdown of what they will net. They are surprised, sometimes pleasantly, sometimes not. My job is to make sure there are no surprises on closing day."
Keri Riley, REALTOR · Associate Broker · HomeSmart Realty Partners
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Frequently Asked About Selling Costs in Missoula
Get Your Real Number
Want a Precise Seller Net Sheet for Your Missoula Home?
The calculator is a great starting point. A seller net sheet goes further, pulling your actual loan payoff, current title rates, and a real Missoula CMA into one document. Keri prepares these personally.
Precise to your property
Not a generic estimate. Keri pulls your actual Missoula comp data and builds a net sheet around your specific situation.
Mortgage background included
Keri reviews your closing costs line by line with a licensed mortgage lender's eye. No other Missoula agent offers this.
Zero obligation to list
This is your information to keep. No pressure, no automated follow-up campaigns.