What could you walk away with?

A seller-paid concession, credit or repair-related amount supported by written transaction documents. These are distinct obligations: a buyer closing-cost concession may be limited by loan-program and closing instructions; voluntary preparation is a separate decision.

Where to find it: Your offer, executed purchase contract, signed amendments and provider invoices. Ask Erin to help distinguish proposed terms from agreed obligations.

When to discuss it: Discuss with Erin during offer or inspection negotiations; use the actual written allocation. Payment timing depends on the agreement.

How it counts: Use either this group's seller total or its itemized rows. Do not repeat the same repair as both work and a credit. Voluntary preparation paid separately belongs in Prepare to sell; closing-funded work remains here and may be linked for context without another deduction.

Services and coverage used to research title, prepare closing and record or release documents. Each item depends on the transaction.

Where to find it: The latest dated title/closing estimate or settlement statement, any surveyor quote and the executed contract allocation. Check its date: an old quote remains provisional.

When to discuss it: Confirm allocations while negotiating the contract; replace estimates with closing-company figures as they become available.

How it counts: Enter each fee once. A combined quote may already include recording, courier or release fees. Payoff principal belongs in payoffs, not here.

Taxes and prorations divide charges or prepaid benefits between the parties for the relevant ownership periods.

Where to find it: Title's dated settlement estimate, county tax information, utility/provider statements and actual contract choices.

When to discuss it: Contract choices and closing date affect these amounts. Ask title to confirm the direction and calculation; an online tax bill alone is not the closing proration.

How it counts: Enter only the seller's effect. Use the explicit reimbursement direction for a credit to the seller on supported itemized rows. Do not repeat a credit elsewhere.

Association dues, assessments, reserve contributions and ownership-transfer charges that may apply to this property.

Where to find it: The association/manager's status letter, governing documents, district/provider information and the executed contract.

When to discuss it: Investigate before listing when possible; confirm fees and negotiated allocations during the contract and title review.

How it counts: Keep regular dues, assessments and transfer fees distinct. A status-letter quote may bundle fees. Never assume an assessment or transfer fee applies.

Property-specific work or coverage, such as septic, well, radon or a home warranty. A specialist recommendation, legal requirement, lender requirement, buyer request and signed seller obligation are different statuses; identify which applies before counting it.

Where to find it: Specialist quotes, actual written obligations, applicable local requirements and title's treatment of payment.

When to discuss it: Research property requirements before listing. Confirm negotiated work and who pays in the actual agreement; specialist work may be paid before closing.

How it counts: Do not list the same work here and under repairs or a repair credit. Confirm payment timing; this version subtracts entered amounts from its estimated selling proceeds.

Professional services connected to your sale, such as qualified tax, legal or exchange advice.

Where to find it: The professional's engagement agreement, current invoice and title's settlement estimate.

When to discuss it: Discuss scope and fees with the professional before committing; payment may be separate from closing.

How it counts: Use only the amount intended for this estimate. Do not enter exchange proceeds or tax withholding as a professional fee. Confirm whether title already included the charge.

A specifically described selling expense or credit to the seller not entered elsewhere.

Where to find it: The actual agreement, invoice or closing-company estimate. Ask Erin or title when the direction is unclear.

When to discuss it: Confirm the obligation and timing before treating it as agreed.

How it counts: Choose expense or reimbursement direction and enter an unsigned amount. An expense reduces estimated cash; a reimbursement to the seller increases it. Describe the item and do not duplicate a payoff, fee or credit.

Cash held back from the amount delivered at closing, potentially including applicable tax withholding or a supported reserve. A holdback may not be a permanent expense. Estimated settlement cash, the economic result and money temporarily withheld are different; bank availability and later releases are not predicted here.

Where to find it: Title and qualified tax/legal advice for your circumstances, including any FIRPTA or Colorado withholding issue. This calculator determines no tax rate or eligibility.

When to discuss it: Raise possible withholding early and obtain a current closing estimate before relying on cash available.

How it counts: Shown separately from seller cost categories and subtracted after net proceeds. Do not enter the same amount in taxes or professional fees.