The highest offer is not always the best one.
Enter your numbersCompare up to three offers after credits, commission, payoff and transfer tax.
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Offer A
Offer B
Add a third offer
Offer C
About these inputs
Uses our published base estimate. Enter your quoted fee if different.
Only towns that change the rate are listed.
The same on every offer, so it changes the totals but never the ranking.
Enter at least one offer.
What you keep, per offer
Enter an offer price to compare
Price minus payoff, commission, transfer tax, the attorney fee, and anything you credit back.
is the highest price, but puts more in your pocket. That gap is the whole reason to run this before you counter.
One offer entered. Add a second and the comparison starts doing something a net sheet cannot.
Details and assumptions
These offers straddle $800,000, where Connecticut’s state conveyance tax steps from 0.75% to 1.25%. The higher rate applies only to the portion above the line, not to the whole price, so crossing it costs real money but never the whole jump.
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This calculator needs JavaScript. The two traps below are what it exists to catch.
These calculators produce estimates for general information, not legal advice. Every transaction is different. Reach out to talk through yours.
About this estimate
This uses our published base attorney fee estimate unless you enter a different amount. Your actual quote may differ. Estimates only. Connecticut conveyance tax per CGS §12-494 and the municipal rates authorized under it; Massachusetts deeds excise per the Norfolk and Barnstable County Registries of Deeds. Rates read 2026-08-10. Commission is whatever your listing agreement says, and your payoff comes from your lender and shifts with the closing date. Which offer to take is a decision with terms in it that no calculator prices: the financing, the contingencies, the closing date, and how likely each buyer is to actually close.
Two ways the top number misleads.
Neither is exotic. Both show up on ordinary residential files, and both are invisible if you compare offers by price.
A buyer offering $460,000 and asking $10,000 back toward their closing costs is offering you roughly what a clean $450,000 offer does. The credit comes straight off your proceeds. It is a well-understood way to structure a deal and there is nothing wrong with it, but the headline number is the one that goes in the summary email, and it is $10,000 too flattering.
The state conveyance tax runs 0.75% up to $800,000 and 1.25% from there to $2.5 million. Sellers hear that and assume crossing the line is expensive; agents sometimes counter below it to avoid the jump. Both overcorrect. The higher rate applies only to the portion above $800,000, so an offer at $810,000 pays the extra half a percent on $10,000 of it. That is $50. Worth knowing, not worth restructuring a deal over.
Questions sellers and agents ask.
Is the highest offer always the best offer?
Not always. A higher offer asking for a seller credit can net less than a lower clean one, and in Connecticut an offer crossing $800,000 gives a little of the increase back to the conveyance tax. Price is what you compare first. Net proceeds is what you keep.
What does this calculator not tell me?
The part that usually matters most. Financing versus cash, the inspection and appraisal contingencies, the closing date, and how likely each buyer is to actually get to the table are all terms, not numbers, and no calculator prices them. A strong buyer at a slightly lower net is often the better deal. This gets the money side out of the way so you can argue about the rest.
Can my agent use this with me?
That is who we built it for. Agents run this comparison by hand on every multiple-offer file. Email yourself the numbers from the calculator and bring them to the conversation.