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The Seller's Guide

Selling in Boston,
listed to closed.

If you've never sold a home, it's hard to know what happens between deciding to sell and money landing in your account. This page is that whole stretch, in order, in plain English: what you do, what I do, what it costs, and the words you'll hear along the way.

Selling well is mostly decisions made before the sign goes up: what to fix, what to leave, and what number the market will actually believe. After that it's execution, and Massachusetts adds a few steps most guides skip, like the deed excise tax and the fire-department certificate no closing happens without.

Stylized brand artwork of a Boston brownstone stoop at dusk, the front door open with warm light on the granite steps
Every sale starts at a front door.
The process, in order

Eight steps. Preparing and listing usually takes two to six weeks. Once you accept an offer, a typical Boston sale closes six to eight weeks later, sooner with a cash buyer.

  1. 01The walkthrough2 to 6 weeks before listing
  2. 02Pricing and the CMABefore listing
  3. 03Preparation1 to 4 weeks before listing
  4. 04MarketingListing day
  5. 05Showings and open housesFirst 1 to 3 weeks
  6. 06Offers and negotiationOffer day
  7. 07Under agreementWeeks 1 to 2
  8. 08Closing and your proceedsWeeks 6 to 8
Who's involved

The people involved in your sale

You'll deal with a few of these people directly and hear about the rest through me. Here is who they are and what each one is there for.

Your listing agent (me)
Works for you. I price the home, get it ready, market it, run showings, negotiate offers, and manage every date and person until your proceeds arrive.
Buyers and their agents
The buyer's agent works for the buyer. They'll bring offers, ask questions, and negotiate for their client, so I handle those conversations for you.
Photographer and stager
Make the home look its best online and in person. Photos are the first showing; most buyers decide whether to visit from them.
Your attorney
Reviews the Purchase & Sale contract, prepares the deed, gets the payoff figure for your mortgage, and handles your side of the closing.
Your mortgage lender
If you have a mortgage, they provide the exact payoff amount. The loan is paid off from your sale proceeds at closing.
The fire department
Inspects your smoke and carbon-monoxide alarms and issues the certificate required before closing.
The buyer's lender and appraiser
If the buyer is borrowing, their lender sends an appraiser to confirm the home's value. A low appraisal can reopen the price conversation.
The condo association
For condos only: they issue the certificate showing your fees are paid, and answer buyers' questions about the building.

Not sure you should sell at all? Some owners are better off keeping the home as a rental.

Step 1 of 8 · 2 to 6 weeks before listing

The walkthrough

I come see the home the way a buyer would, and we talk about your timeline, your next move, and what you need this sale to do for you.

Front door first, flaws and all. You'll get my honest read on the home, what buyers will love and what they'll hesitate over. That candor is cheaper now than at price-reduction time.

We also work out the order of things: whether you need to sell before you buy, where you'll live in between, and what date works for moving out. Those answers shape the closing date we ask buyers for.

What you do

  • Show me the home, including the parts you'd rather not.
  • Tell me your timeline and what happens after the sale.
  • Find your mortgage statement and any records of work you've done.

What I do

  • Give you an honest assessment of the home and the market.
  • Explain the whole process and what it will cost you.
  • Map out a timeline from today to closing.
The money at this step
Nothing. The walkthrough is free and carries no obligation.

Words you'll hear

Listing agent
The agent who represents the seller, markets the home, and negotiates with buyers on the seller's behalf.
Compare selling vs. holding

Curious before we've met? Start with the online estimate, then ask me to review what the data may have missed.

Step 2 of 8 · Before listing

Pricing and the CMA

We decide the asking price, based on what similar homes nearby have actually sold for, and you sign a listing agreement.

A comparative market analysis lines your home up against recent sales nearby, adjusted for condition, floor level, outdoor space, parking, all of it. Not what neighbors are asking; what buyers have paid.

Then strategy: price to spark competition, or price at the number and hold. Different homes, different markets, different answers. I'll show you the reasoning, not just the figure, and you make the call.

Once we agree, you sign a listing agreement: how long we work together, how I'm paid, and how the home will be marketed.

What you do

  • Review the comparable sales and ask questions.
  • Choose the asking price.
  • Read and sign the listing agreement.

What I do

  • Prepare the comparative market analysis.
  • Recommend a pricing strategy and explain the reasoning.
  • Estimate your proceeds so you know your number before you list.
The money at this step
Nothing yet. Commission is paid from the proceeds at closing, and only if the home sells.
Where it goes wrong
Overpricing to 'leave room to negotiate.' Homes that sit get noticed, and the price cuts that follow usually cost more than pricing right the first time.

Words you'll hear

CMA (comparative market analysis)
A report comparing your home with similar homes that recently sold nearby. It's the basis for the asking price.
Listing agreement
Your contract with your listing agent: how long it lasts, how they're paid, and what they'll do to sell the home.
Get a free home valuation

Step 3 of 8 · 1 to 4 weeks before listing

Preparation

We get the home ready to show: small repairs, paint, decluttering, and staging, plus the paperwork Massachusetts requires.

Most homes need less than owners fear: paint, light fixes, decluttering, and staging choices that let rooms read at full size. I'll give you a short list ranked by what returns its cost, and tell you plainly what isn't worth doing. The goal isn't a renovation. It's removing every easy reason for a buyer to hesitate.

This is also when we gather the paperwork. Homes built before 1978 need the Massachusetts lead-paint notice for buyers. Homes on a septic system need a Title V inspection. Condos need the association's documents ready for buyers. And we tell buyers the truth about known problems: hiding a known defect is the fastest way to lose a sale, or worse, end up in court after it.

What you do

  • Work through the prep list: repairs, paint, decluttering.
  • Pack away personal items and anything you'll move anyway.
  • Tell me about any known problems with the home.

What I do

  • Give you a prioritized list of what's worth doing.
  • Recommend contractors, cleaners, and stagers.
  • Prepare the disclosures and documents buyers will ask for.
The money at this step
Whatever prep you choose: often paint, small repairs, cleaning, and sometimes staging. Title V inspections and repairs, if you have septic, are the seller's cost.
Where it goes wrong
Big renovations right before selling. They rarely return their cost, and they delay your listing.

Words you'll hear

Staging
Arranging furniture and decor so rooms look larger, brighter, and easier for buyers to picture themselves in.
Title V
Massachusetts's septic system rule. Homes on septic generally need a passing inspection before they can be sold.
Lead paint notification
A required form for homes built before 1978, telling buyers about lead-paint risks and their right to an inspection.

Step 4 of 8 · Listing day

Marketing

Professional photos are taken, the listing goes live on the MLS, and it appears everywhere buyers search.

Professional photography is non-negotiable; it's the first showing. The listing goes on MLS PIN, the database every local agent uses, and from there it appears on the websites buyers browse, alongside my own outreach to agents working with active buyers.

The listing copy sells the story, not just the square footage: the morning light, the block, the reason you bought it.

What you do

  • Have the home photo-ready on shoot day.
  • Review the listing description and photos before they go live.

What I do

  • Arrange and pay for professional photography.
  • Write the listing and publish it on MLS PIN.
  • Tell agents with active buyers that it's coming.
The money at this step
Nothing new for you. Marketing costs are part of my job.
Where it goes wrong
Launching before the home is ready. The first week brings the most attention, and you only get one first week.

Words you'll hear

MLS (multiple listing service)
The shared database where agents list homes for sale. Here it's MLS PIN. Listings flow from it to the public websites.
Days on market
How long a home has been listed. Buyers watch it: a high number makes them wonder what's wrong.

Step 5 of 8 · First 1 to 3 weeks

Showings and open houses

Buyers come to see the home, at private appointments and open houses, and I report back what they say.

We make the home easy to see; restrictive showing windows quietly cost sellers offers. First weekends carry the most energy, and we plan around them. You'll usually step out during showings so buyers feel free to look and talk.

You'll get real feedback after showings, unfiltered. If the market is telling us something about price or presentation, you'll hear it from me first, along with what I recommend doing about it.

What you do

  • Keep the home show-ready and step out for showings.
  • Make pets and valuables easy to manage.
  • Stay flexible on showing times.

What I do

  • Schedule showings and host open houses.
  • Collect feedback from buyers' agents.
  • Report what I'm hearing and recommend adjustments.
The money at this step
Nothing changes hands.
Where it goes wrong
Ignoring what the first two weeks are telling us. Lots of showings and no offers usually means price or presentation, and fixing it early costs less.

Words you'll hear

Open house
Set hours when any buyer can walk through without an appointment.
Offer deadline
A set time when all offers are due, used when strong interest suggests several buyers will compete.

Step 6 of 8 · Offer day

Offers and negotiation

Buyers submit written offers, we compare them and negotiate, and you accept one. In Massachusetts, a signed offer is a binding contract.

Offers differ on far more than price: deposits, contingencies, how the buyer is paying, the closing date, and how likely that buyer is to actually reach the closing table. The highest number is not always the strongest offer.

We'll compare them side by side and negotiate terms deliberately. With several offers, that includes using competition without losing the best buyer. Once you sign, the deal is binding, so we read every line first.

What you do

  • Review each offer with me.
  • Decide which to accept, counter, or decline.
  • Sign the accepted offer.

What I do

  • Compare offers side by side, terms and price together.
  • Check how strong each buyer's financing is.
  • Negotiate price, dates, and terms on your behalf.
The money at this step
The buyer pays a first deposit, usually around $1,000, held in escrow by the listing brokerage. It isn't yours until closing.
Where it goes wrong
Choosing the highest price from the weakest buyer. A shaky loan or a long list of contingencies can cost you more than a lower, cleaner offer.

Words you'll hear

Contingency
A condition in the buyer's offer, like an inspection or getting a loan, that lets them back out and recover their deposit if it isn't met.
Counteroffer
Your written response proposing different terms instead of accepting.
Escalation clause
A buyer's promise to beat any competing offer by a set amount, up to a cap.

Step 7 of 8 · Weeks 1 to 2

Under agreement

The buyer inspects the home, we handle any requests, and both attorneys finalize the full contract, called the Purchase & Sale Agreement.

The buyer's inspection usually happens within the first week. They may ask for repairs or a credit; we decide together what's reasonable, and I negotiate it. Most requests are settled in a day or two.

About two weeks after the offer, your attorney and theirs finalize the Purchase & Sale, and the buyer adds to their deposit, bringing it to around five percent. Massachusetts closings run through attorneys, and a good one protects your dates and your deposit terms.

Two seller-side requirements to handle early: the smoke and carbon-monoxide certificate from your fire department and, for homes on septic, a passing Title V inspection. Condo sellers also order the association's certificate showing fees are paid. All of these are painless when scheduled ahead.

What you do

  • Give access for the buyer's inspection.
  • Decide on any repair or credit requests.
  • Hire an attorney and sign the Purchase & Sale.
  • Book the smoke and CO inspection with your fire department.

What I do

  • Negotiate the inspection requests.
  • Coordinate the attorneys, the buyer's lender, and the appraisal.
  • Track every contract date through closing.
The money at this step
The buyer's total deposit, around five percent, is held in escrow. You pay for the smoke and CO certificate and any agreed repairs.
Where it goes wrong
A low appraisal from the buyer's lender. It can reopen the price conversation, which is why we price with recent sales the appraiser will also see.

Words you'll hear

Purchase & Sale Agreement (P&S)
The full contract for the sale, signed about two weeks after the offer. It sets the closing date and every remaining term.
Smoke and CO certificate
The fire department's sign-off on the home's smoke and carbon-monoxide alarms. Required before closing in Massachusetts.
6(d) certificate
For condos: a letter from the association confirming the seller's fees are paid up. Required at closing.

Step 8 of 8 · Weeks 6 to 8

Closing and your proceeds

You move out, the attorneys complete the paperwork, your mortgage is paid off, the deed records, and your proceeds are sent to you.

Before closing, the home should be empty and broom clean, with everything the contract says stays left in place. The buyer does a final walkthrough to confirm it. Many sellers sign the deed ahead of time with their attorney, so you may not even need to attend.

At closing, your mortgage is paid off from the proceeds, and Massachusetts collects its deed excise tax of $4.56 per $1,000 of the sale price in most counties. Property taxes, water and sewer, condo fees, and any heating oil left in the tank are divided between you and the buyer up to the closing date. The deed records at the Registry of Deeds, and the sale is done.

What lands in your account is the sale price minus your payoff, commission, excise tax, and closing items. You should know that number before you list, not after.

What you do

  • Move out and leave the home broom clean.
  • Sign the deed and closing documents.
  • Arrange final utility readings and cancel insurance after closing.
  • Leave keys, remotes, and manuals for the buyer.

What I do

  • Confirm the final walkthrough goes smoothly.
  • Make sure the certificates and payoff are in hand.
  • Stay on it until your proceeds arrive.
The money at this step
From the proceeds: your mortgage payoff, commission, the deed excise tax, your attorney's fee, and the adjustments for taxes and utilities. The rest is wired to you, usually the same day the deed records.
Where it goes wrong
Leaving the move to the last day. An unfinished move-out can delay the walkthrough, and with it the closing.

Words you'll hear

Deed excise tax
The Massachusetts tax on selling real estate, paid by the seller: $4.56 per $1,000 of price in most counties.
Payoff
The exact amount needed to pay off your mortgage on the closing date, including interest to that day.
Adjustments (prorations)
Splitting ongoing costs like property taxes and condo fees between buyer and seller, so each pays for the days they owned the home.
Run your numbers on the net sheet
Stylized brand artwork of Boston rooftops and the skyline at dusk

The view from closing day.

The Money

What selling actually costs

The predictable line items: brokerage commission (negotiable, and I'll be direct about mine), the state deed excise tax at $4.56 per $1,000 of price in most counties, your attorney, the smoke and CO certificate fee, and any agreed repairs or buyer credits. Homes on septic add the Title V inspection; condos add the association's 6(d) certificate fee.

None of these should surprise you in week ten. The net sheet on this site subtracts all of them from your expected price in about a minute; that's the figure to plan your next move around. If you've owned and lived in the home for a while, ask your accountant about the capital-gains exclusion before you list.

Common Questions

What does it cost to sell a home in Massachusetts?

Commission plus the state deed excise tax ($4.56 per $1,000 of sale price in most counties), attorney fees, the smoke/CO certificate, and any negotiated repairs or credits. The net sheet tool on this site turns that into your actual walk-away number.

When is the best time to list in Boston?

Spring is the loudest market, but the best time is when the home is ready and your next move is lined up. A well-prepared home in February beats a rushed one in April: inventory is thinner and serious buyers don't hibernate.

Should I renovate before selling?

Usually no. What returns its cost depends on the home's condition and what buyers in that market expect; big renovations rarely clear that bar, while paint, repairs, lighting, and staging usually do. I'll walk the home and give you a short list ranked by return, and tell you what to skip.

Can I sell and buy at the same time?

Yes, and it's common. We line up the two closings, sometimes on the same day, or negotiate a closing date or short rent-back that gives you time to move. The order depends on your finances; your lender will tell you whether you need the sale proceeds to buy.

How long does a sale take once I accept an offer?

Typically six to eight weeks from accepted offer to closing: inspection in the first week or two, Purchase & Sale around week two, then the buyer's financing runs to the closing date. Cash buyers can compress that considerably.

What is the smoke and carbon-monoxide certificate?

A Massachusetts requirement: before closing, your local fire department inspects the smoke and CO detectors and issues a compliance certificate. It's the seller's responsibility, and we schedule it early so it never threatens the closing date.