Free Alabama seller net sheet calculator

What a Alabama seller walks away with after commission, payoffs, title, and transfer taxes. Rates and closing customs below are verified for Alabama; the calculator applies them for you, down to the county.

Calculate a Alabama net sheet Plans and pricing

State transfer tax: $0.50 per $500 of price above the new mortgage
Owner's title policy: Seller pays
Seller costs on $400,000: About $22,425

Alabama transfer tax

Alabama charges the deed recording tax of $0.50 per $500 of price above the new mortgage, customarily paid by the seller.

Who pays is local custom and can be changed in the contract. Rates verified 2026-09-29.
Tax	Level	Rate	Customarily paid by
Deed recording taxAla. Code 40-22-1: only the value in excess of a mortgage recorded with the deed (on which mortgage tax is paid) is taxable, so a purchase-money loan reduces the base.	State	$0.50 per $500 of price above the new mortgage	Seller

With no county or city chosen, split by local custom.
Sale price	Seller pays	Buyer pays	Total
$250,000	$50	$0	$50
$500,000	$100	$0	$100
$1,000,000	$200	$0	$200

Example Alabama seller net sheet

A $400,000 sale with a 5% commission and a $250,000 mortgage payoff. Seller closing costs come to about $22,425, or 5.6% of the price.

Title and settlement fees are typical estimates, not quotes.
Line	Seller
Sale price	$400,000
First mortgage payoff	−$250,000
Real estate commission (5%)	−$20,000
Deed recording tax	−$80
Owner's title insurance policy	−$1,575
Settlement / closing fee	−$350
Seller's attorney fee	−$350
Release / satisfaction recording	−$25
Wire / courier / payoff processing	−$45
Estimated net before property tax prorations	$127,575

Run it with your own numbers. Choose the county to add local taxes, and enter the closing date to prorate property taxes.

Who pays what in Alabama

Commonly seller in most of Alabama; negotiable. Closings are usually handled by an attorney, and an attorney is customarily required at closing. The settlement or escrow fee is customarily split between buyer and seller.

Attorney closings. Deed tax customarily seller; mortgage tax buyer.

Property tax prorations

Property taxes are paid in arrears on a tax year starting in October. The typical effective rate is about 0.4% of value per year. Fiscal year Oct 1-Sep 30, billed Oct 1 in arrears; seller credits buyer.

Mortgage taxes

Alabama also taxes the buyer's new mortgage. These are on the buyer's side of the closing, not the seller's net sheet.

Tax	Level	Rate	Customarily paid by
Mortgage recording tax	State	$0.15 per $100	Buyer

Sources

revenue.alabama.gov

Verified 2026-09-29. A net sheet is an estimate, not a closing statement or tax advice. Final figures come from the title or escrow company. See a rate that looks wrong? Email support@netsheet.org.

Alabama net sheet questions

Does Alabama have a real estate transfer tax?

Alabama charges the deed recording tax of $0.50 per $500 of price above the new mortgage, customarily paid by the seller.

How much is the transfer tax on a $500,000 home in Alabama?

With no county or city chosen, the transfer tax on a $500,000 sale is about $100, customarily paid by the seller.

How much are seller closing costs in Alabama?

On a $400,000 sale with a 5% commission, estimated seller costs in Alabama come to about $22,425 (5.6% of the price), including $20,000 of commission. Without commission, closing costs are about $2,425. Local taxes, the payoff, and property tax prorations change the final number.

Who pays for title insurance in Alabama?

Commonly seller in most of Alabama; negotiable.

Who handles the closing in Alabama?

Closings are usually handled by an attorney, and an attorney is customarily required at closing.

How are property taxes prorated when selling a home in Alabama?

Alabama net sheets by county

Alabama net sheets by city

The 70 largest of 70 Alabama cities with a page. Each county page lists its own cities.

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