Cummington, MA local closing costs

Cost to sell a house in Cummington, MA.

On a typical $255,000 Cummington sale, total seller costs to list and close traditionally run about $20,908 roughly 8.2% of the sale price. Here's the line-item breakdown.

Median DOM: 71 days
Median income: $72,779
Total transfer rate: 0.46%

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List with an agent

$255,000 sale price

Agent commission (5.5%)$14,025
State + local transfer tax (0.456%)$1,163
Owner's title insurance (0.4%)$1,020
Recording / settlement / attorney$950
Pre-listing repairs (1%)$2,550
Staging + photography$1,200

Total costs$20,908

Net to seller$234,092

Time to close: typically 60-90 days from list to keys.

HomeInvestor cash offer

$198,900 offer (~78% of retail)

Agent commission$0
Transfer tax(Buyer pays)$0
Title insurance(Buyer pays)$0
Closing / attorney fees(Buyer pays)$0
Repairs(As-is, buyer's problem)$0
Staging / photography(Not needed)$0

Total costs$0

Net to seller$198,900

Time to close: 7-21 days. No showings, no contingencies.

Net difference

Listing nets you more: $35,192

The trade is time, certainty and effort vs the last few percent of retail. If your house needs repairs or you can't wait 90 days, the cash path usually wins on the math too.

Attorney required?

Yes — Massachusetts customarily requires an attorney at closing.

Transfer tax

MA tax stamps: $4.56/$1,000 (Barnstable higher). Attorney customary.

Repair credits

On a traditional listing, post-inspection repair credits in Cummington commonly cost sellers another $2-8k beyond the budget above.

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