key documents

Home Selling

Must-Have Paperwork for Selling Without a Realtor or FSBO

October 10, 2018 | by Andrew Schmeerbauch

key documents

If you’re wondering about the paperwork for selling a house without a Realtor, you’re in the right place. In this article, we will walk you through everything you need for a stress-free and simple sale.

Must-Have Paperwork for Selling Without a Realtor or FSBO

When you decide to sell your house without a Realtor or FSBO (industry speak for For Sale by Owner), you are giving up the expertise and industry connections that agents can provide. Because of this, you have to be sure to keep yourself on track. There won’t be anyone around to remind you of what to have on hand.

To make things easier for you, we’ve put together a list of all the paperwork you need to gather together before selling your own home.

What Documents Do I Need To Sell My Home?

As a quick caveat, the documents required to sell a home vary from state to state. However, they are generally as follows here:

Property Survey

A property survey is a legal document that indicates the legal boundaries of your property. Essentially, it lets the buyer know exactly how much land he is buying.

It also lets him know the location of any other things like fences, driveways, sidewalks, and sheds. The buyer will usually order a property survey, so it’s best to have one ready.

Receipts and Warranties

Did you replace any of your appliances, construct an addition, or reroof your home? Then you should keep all your receipts and warranties in one easy-to-access place. These documents can help you when you need to determine the value of your home.

Plans and Permits

If you constructed an addition to your home, you also need to keep a copy of any plans or permits for it. This is in addition to any receipts or warranties for the work done. This way, the next owner of the home can be completely aware of the history of his property.

Certificates of Occupancy

A certificate of occupancy is a document that essentially says that your home is completely compliant with local buildings codes. Because of this, it is a safe place to inhabit.

If you intend to sell your home FSBO, you will need to do a few things. First, you will need to visit your local municipality to have the permit pulled. Then, you will need to have the correlating inspection done. After that, you will need to complete any applicable repairs to bring the property up to code, and then have your home re-inspected.

Loan Documents

If you have a mortgage on your home, then you need to be able to provide all of the documentation surrounding it. If you have a second mortgage, or any home equity lines of credit, be sure to have a copy of all the related paperwork for those, too.

Utility Bills

Producing your latest utility bills is an important part of the FSBO process. This is because it allows potential buyers to have an idea of how much they might need to budget for water, gas, and electricity each month.

Property Tax Bills

Similar to the utility bills, it’s a great idea to have a tax bill so buyers can better understand the amount of taxes they might need to pay each month should they purchase your home.


Your home’s title is an essential document to have on hand because it proves that you legally own the property you are putting up for sale.

Proof of Homeowner’s Insurance

This is something the seller requires of the buyer. To officially close on a property, the buyer must prove to the seller that he has insurance for the property. The insurance must begin at the exact moment of sale. If you don’t have a Realtor, it’s up to you to ask for this.

Homeowner’s Association Agreement

If you live in a neighborhood that has a homeowner’s association, you must provide buyers with a list of the rules and regulations that apply to your property. Usually, these regulations cover things like parking, pets, construction, decoration, and more.

If Available – Floor Plan or Blueprints

If you have either of these documents available to show to potential buyers, it’s a huge plus. This is because it offers them a great insight into the size, layout, and history of your home.

What Do I do with all these Documents?

Once you have compiled all the paperwork you need to sell your home, be sure to keep at least two copies in an easy-to-access place.

This way, they can be made available to potential buyers when they visit the home. This is just in case they have questions about the expenses and history associated with the home.


Final Steps: Disclose Statement and Contract of Sale

Once you have accepted an offer and are negotiating closing costs, you must make a disclosure statement and contract of sale available to your buyer.

A disclosure statement ensures that a buyer is aware of any extenuating circumstances about the home, like crimes committed inside, mold in the attic, or a tendency to flood each spring.

What is a contract of sale? It is the official document that outlines everything both the buyer and seller agree to about the sale.

Even if you are selling your home FSBO, it’s a good idea to pay a lawyer a one-time consultancy fee to look over the document. This is to ensure that it meets your state’s legal standards. You do not want to run into any trouble when creating a legal document.

It should include things like the purchase price, list of fixtures on the property, the identity of the parties involved, the target closing date, contingencies, prorations, information on the title, and more.

Looking for a Realtor who won’t break the bank? If your only worry about using a Realtor to sell your home was commission – don’t worry! Clever only charges one flat fee. Call us today at   1-833-2-CLEVER or fill out our online form to get started.

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