How Do You Get Paid When You Sell Your Home? The Cin-Day Group explains

If you’re thinking about selling, it’s completely normal to wonder when and how the money actually hits your pocket. The good news? Getting paid when you buy or sell a home is a structured, secure process—and once you understand the steps, it’s surprisingly straightforward.

Let’s walk through it from a Southwest Ohio seller’s perspective, so you know exactly what to expect.

The Short Answer: You Get Paid at Closing

When you sell your home, you receive your proceeds at closing—the final step of the transaction when ownership officially transfers to the buyer.

In most Ohio transactions, this happens through a title company or attorney, not directly from the buyer.

Step-by-Step: How the Money Flows

1. The Buyer Secures Their Funds

Before closing day, the buyer’s money comes from:

• Their mortgage lender (loan funds)

• The buyer’s down payment and closing costs

These funds are sent to the title company handling your transaction.

2. Closing Day Happens

At closing:

• All documents are signed

• The deed is transferred and recorded

• The title company confirms all funds are received

Ohio is a “table funding” state, meaning everything is coordinated to happen at once.

3. Expenses Are Paid First

Before you’re paid, the title company deducts:

• Your remaining mortgage balance

• Real estate commissions

• Title fees and closing costs

• Prorated property taxes and/or HOA fees (if applicable)

This ensures all obligations tied to the property are cleared.

4. You Receive Your Net Proceeds 💰

What’s left is your net proceeds—your profit from the sale.

You typically get paid via:

• Wire transfer (most common and fastest for availability of funds)

• Certified check (some banks hold funds for a week, check with your bank)

In many Southwest Ohio closings, sellers receive funds the same day or within 24 hours.

How Much Will You Walk Away With?

Your final amount depends on:

• Your sale price

• Your mortgage payoff

• Closing costs

• Market conditions at the time you buy or sell a home

That’s why working with an experienced local agent matters. At The Cin-Day Group, we provide a net proceeds estimate upfront, so there are no surprises at closing.

Can You Get Paid Before Closing?

Unfortunately, no. Funds are only released after:

• Documents are signed

• The transaction is legally recorded

This protects you and ensures the sale is valid and complete.

Why Local Expertise Makes a Difference

Southwest Ohio closings can vary slightly by county and title company. When you work with the Cin-Day Group:

• You know exactly when you’ll get paid

• You understand every line item before closing day

• You avoid last-minute delays or confusion

Our job is to make selling feel clear, calm, and predictable—especially when real money is involved.

Ready to Sell With Confidence?

If you’re planning to buy or sell a home in Dayton, Springboro, Mason, Mt. Adams, or anywhere in Southwest Ohio, let’s talk. We’ll walk you through the numbers, timelines, and strategies so you can move forward with confidence.

Contact the Cin-Day Group of Coldwell Banker Heritage today to get a personalized net proceeds estimate and expert guidance from start to finish.