Selling your home is one of the biggest financial transactions of your life. Understanding your options — and the real costs of each — helps you make the best choice for your situation.
In a traditional sale, you hire a listing agent who handles marketing, showings, negotiations, and paperwork. The standard listing agent commission is 2.5–3% of the sale price.
For a $400,000 home, that's $10,000–$12,000 in listing agent commission alone. Add the buyer's agent commission (typically 2.5–3%), and total commissions can reach $20,000–$24,000.
What you get:
With a seller-managed listing (sometimes called FSBO — For Sale By Owner), you handle the listing side yourself with the help of flat-fee MLS services and tools like Show & Disclose.
Typical costs:
You still typically offer compensation to the buyer's agent (2–3%), but you save the entire listing side commission.
| Feature | Traditional Agent | Seller-Managed |
|---|---|---|
| Listing Commission | 2.5–3% | $0 (you manage it) |
| MLS Access | Included | Flat-fee service ($100–500) |
| Showing Management | Agent handles | Show & Disclose handles |
| Disclosure Management | Agent assists | Show & Disclose handles |
| Negotiation | Agent handles | You handle (or hire attorney) |
| Total Savings on $400K Home | — | $10,000–$12,000 |
The main reason sellers hire listing agents is showing coordination and disclosure management. Show & Disclose replaces both of those services with a professional, automated platform:
You get the professionalism of an agent-managed listing with the savings of selling yourself.
The commonly cited NAR statistic is misleading because it compares all FSBO sales (including family sales at below-market prices) with agent-assisted sales. When comparing similar homes in similar markets, pricing is driven by the market, not who listed the property.
Yes. Buyer agents are legally obligated to show properties their clients want to see. If you offer buyer agent compensation through the MLS, agents are incentivized to bring their clients.
Highly recommended. A real estate attorney costs $500–$1,500 for a full transaction review and provides legal protection that agents can't offer. Many states require attorney involvement anyway.
Use comparable sales data from Zillow, Redfin, or your county assessor. Consider getting a pre-listing appraisal ($300–$500) for a professional opinion. Show & Disclose doesn't provide pricing guidance, but market data is freely available.
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