⚡ Key Takeaways Your sale price is not your payday — NH and MA sellers typically pay 6–9% in total selling costs, meaning $36,000–$54,000 off the top on a $600,000 home before mortgage payoff. The formula is: Net = Sale Price – Mortgage Payoff – Commissions – Closing Costs – Concessions. Every dollar in concessions comes directly off your net. Massachusetts requires an attorney at closing...