{"id":104218,"date":"2026-03-13T06:15:11","date_gmt":"2026-03-13T13:15:11","guid":{"rendered":"https:\/\/www.redfin.com\/blog\/?p=104218"},"modified":"2026-03-13T18:20:05","modified_gmt":"2026-03-14T01:20:05","slug":"selling-a-house-with-a-mortgage","status":"publish","type":"post","link":"https:\/\/www.redfin.com\/blog\/selling-a-house-with-a-mortgage\/","title":{"rendered":"Can You Sell a House With a Mortgage? A Step-By-Step Guide"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Selling a house with a mortgage is very common. In fact, most homeowners still have a mortgage when they sell. When you sell, the proceeds from the buyer\u2019s purchase pay off your remaining mortgage at closing, and you keep any remaining equity after fees and costs.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Whether you\u2019re selling a<\/span><a href=\"https:\/\/www.redfin.com\/city\/3105\/NC\/Charlotte\" data-wpel-link=\"exclude\"> <span style=\"font-weight: 400;\">home in Charlotte<\/span><\/a><span style=\"font-weight: 400;\"> or a<\/span><a href=\"https:\/\/www.redfin.com\/city\/4664\/OH\/Columbus\" data-wpel-link=\"exclude\"> <span style=\"font-weight: 400;\">condo in Columbus<\/span><\/a><span style=\"font-weight: 400;\">, this Redfin Real Estate article will walk through exactly how selling a house with a mortgage works, what happens to your loan during closing, and the steps to take to avoid surprises..<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Can you sell a house with a mortgage?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">The short answer is yes. Many homeowners sell their homes before their mortgage is fully paid off.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When you sell, the buyer\u2019s total purchase funds \u2013 including their down payment and their new mortgage loan \u2013\u00a0 are used to pay off your remaining loan balance during closing. After the mortgage is paid and other costs are covered, any remaining money becomes your net proceeds.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How selling a house with a mortgage works (quick overview)<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">In most cases, selling a home with a mortgage follows a straightforward process:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Request a mortgage payoff statement from your lender to see how much you owe.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">List and sell the home just like any other property.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">At closing, the buyer\u2019s funds are used to pay off your mortgage, and you receive the remaining proceeds.<\/span><\/li>\n<\/ol>\n<h2><span style=\"font-weight: 400;\">What happens to your mortgage when you sell your house?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">When your home sale closes, the mortgage is paid off automatically as part of the transaction. Here\u2019s how the process typically works:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The buyer sends funds to the title company or closing attorney.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The closing agent requests a final payoff amount from your lender.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your mortgage balance is paid directly to the lender.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The lender releases its lien on the property.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Any remaining money after costs and fees is sent to you as the seller\u2019s proceeds.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Because the mortgage is paid off during closing, sellers usually don\u2019t need to make any special arrangements to settle the loan beforehand.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How to sell a house with a mortgage: step-by-step<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">Step 1: Get your mortgage payoff statement<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Before you call a real estate agent, call your lender. Ask for a mortgage payoff statement, which tells you exactly how much you\u2019ll owe on closing day. This number includes your remaining loan balance plus any unpaid interest, and in some cases, early payment fees or administrative costs. This payoff amount is the baseline for all your other calculations.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The payoff amount may be slightly higher than your current loan balance because it includes accrued interest through the expected closing date.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Step 2: Estimate your net proceeds<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Once you\u2019ve got the payoff in hand, the next step is figuring out what\u2019s left for you. From your expected sale price, subtract:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The full mortgage payoff amount<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.redfin.com\/blog\/how-much-is-real-estate-agent-commission-buyer-seller\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">Real estate agent commissions<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><a href=\"https:\/\/www.redfin.com\/blog\/closing-costs-for-sellers\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">Closing costs<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Any unpaid taxes, liens, or<\/span><a href=\"https:\/\/www.redfin.com\/blog\/what-is-an-hoa\/\" data-wpel-link=\"exclude\"> <span style=\"font-weight: 400;\">HOA<\/span><\/a><span style=\"font-weight: 400;\"> fees<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Repair credits or buyer concessions<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">What\u2019s left is your net proceeds \u2014 the money you\u2019ll take home, if all goes well. If the number\u2019s lower than expected, or if it dips into the red, you\u2019ll need to decide whether to: hold off on selling, rent it out for now, or pursue a short sale, where the lender agrees to accept less than what you owe.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">For example, if you sell your home for $500,000 and still owe $320,000 on your mortgage, your gross equity would be $180,000. After agent commissions, closing costs, and other expenses, your final proceeds might be closer to $140,000.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Some homeowners also explore loan assumptions or modifications, depending on the type of loan and lender flexibility. A quick conversation with your lender can clarify your options.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Also, check whether your lender holds funds in escrow for taxes or insurance. If so, ask whether you&#8217;ll get a refund of any remaining escrow balance after the mortgage is paid off.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Step 3: Choose how you want to sell<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You\u2019ve got two routes:<\/span><a href=\"https:\/\/www.redfin.com\/real-estate-agents\" data-wpel-link=\"exclude\"> <span style=\"font-weight: 400;\">hire a listing agent<\/span><\/a><span style=\"font-weight: 400;\"> or sell it yourself (<\/span><a href=\"https:\/\/www.redfin.com\/blog\/how-to-sell-your-home-without-an-agent-fsbo\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">FSBO\u2014For Sale By Owner<\/span><\/a><span style=\"font-weight: 400;\">).\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you go with an agent, you get market analysis, pricing strategy, professional photos, help with negotiations, and someone to chase down all the paperwork. You\u2019ll pay a commission, but you\u2019re also buying peace of mind.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Selling on your own means doing all of that yourself, and buyers&#8217; agents may still expect their cut. FSBO can work if the market\u2019s hot or if you already have a buyer, but be honest about whether you\u2019re equipped to handle contracts, disclosures, and everything in between.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Step 4: Price with precision<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If your equity\u2019s thin, meaning you don\u2019t have a big cushion between your mortgage and the market value, pricing becomes especially important.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Overpricing the home can cause it to sit, which eats into your timeline and costs. Underpricing it could mean owing money at closing. Either way, guesswork is risky.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Have your agent run a<\/span><a href=\"https:\/\/www.redfin.com\/definition\/comparative-market-analysis\" data-wpel-link=\"exclude\"> <span style=\"font-weight: 400;\">Comparative Market Analysis<\/span><\/a><span style=\"font-weight: 400;\"> (CMA), or do it yourself using recent sales of<\/span><a href=\"https:\/\/www.redfin.com\/blog\/how-to-find-real-estate-comps-in-my-area\/\" data-wpel-link=\"exclude\"> <span style=\"font-weight: 400;\">comparable homes<\/span><\/a><span style=\"font-weight: 400;\"> in your area. Price to sell, but do your best to make sure it clears your debts and costs. If you\u2019re too close for comfort, talk with your lender about options in case you fall short\u2014they may allow a short payoff or consider hardship arrangements.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Step 5: List, show, and vet offers carefully<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Once the house is priced and listed, the showings start. Clean up, stay flexible with scheduling, and respond quickly to buyer questions. When offers roll in, don\u2019t focus only on price. Also consider:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Whether the buyer\u2019s paying cash or needs financing<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">How solid their loan pre-approval is<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Whether they\u2019re asking for closing cost help<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Their timeline and contingencies (inspection, appraisal, etc.)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Whether they need to sell their own house first<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If your pricing is tight, pay close attention to appraisal contingencies \u2013 a low appraisal can derail financing or force renegotiation. If you receive an offer with an appraisal gap clause (where the buyer agrees to cover any shortfall), that may be a safer bet than a higher offer without one.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Step 6: Wrap things up after the sale<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Once the house is sold:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cancel autopayments to your mortgage<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Cancel homeowners insurance (after confirming the deal has recorded)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Notify your utilities and update your address<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Store your closing documents in a safe place<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Check with your lender about a refund of escrow funds, if applicable<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In many cases, homeowners who\u2019ve lived in their home for at least two of the past five years may not owe capital gains tax on the profit from a sale \u2013 up to $250,000 for individuals and $500,000 for married couples filing jointly. However, every situation is different, so it\u2019s best to consult a tax professional to understand how the rules apply to you.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Common mistakes when selling a house with a mortgage<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Even though selling a home with a mortgage is common, some sellers run into avoidable issues. Common mistakes include:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Not requesting a payoff statement early in the process<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Overestimating how much equity they have in the home<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Forgetting to account for closing costs and commissions<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Ignoring potential prepayment penalties in their loan agreement<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Planning ahead and estimating your proceeds early can help prevent surprises at closing.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Can I sell my house if I owe more than it\u2019s worth?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If you owe more than your home is worth, you have negative equity, also known as \u201cbeing underwater.\u201d This can happen for a variety of reasons, including taking out a second mortgage to pay off debts, a cooling housing market after buying at peak prices, or rapid changes in interest rates.\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Negative equity is less common during strong housing markets, but it can occur if home values decline or if a homeowner purchased recently with a small down payment.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Here\u2019s what you can do.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Get approved for a short sale<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A <\/span><a href=\"https:\/\/www.redfin.com\/blog\/how-to-buy-a-short-sale-home\/\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">short sale<\/span><\/a><span style=\"font-weight: 400;\"> is a special sale where you sell your house for less than what you owe. This type of sale, however, does require lender approval and proof that you\u2019re facing real financial hardship. A short sale can negatively impact your credit score, though it is generally considered less damaging than a foreclosure.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Bring cash to closing<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Some homeowners choose to bring cash to closing to cover the difference between the home\u2019s sale price and the remaining loan balance. Through this method, the lender gets paid in full so your credit score doesn\u2019t get affected.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Rent out your home<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">It\u2019s not selling, but if your mortgage agreement permits you, renting out your home may help ease the burden of being underwater on your mortgage. Rent money can be used to cover your mortgage payments until the value of your home rebounds. Being a landlord may bring additional responsibilities, but it may allow you to wait until market conditions improve.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Ask about a deed-in-lieu of foreclosure<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Although most lenders would like you to try selling your home first, a <\/span><a href=\"https:\/\/www.redfin.com\/definition\/deedin-lieu\" data-wpel-link=\"exclude\"><span style=\"font-weight: 400;\">deed-in-lieu of foreclosure<\/span><\/a><span style=\"font-weight: 400;\"> may be a good option if you want to cut your losses and get out of your mortgage. A deed-in-lieu of foreclosure is voluntarily returning your house to the bank in exchange for your mortgage being forgiven and a hit to your credit, but it\u2019s a lot better than being foreclosed on. Depending on the lender, it may even come with relocation money.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">The bottom line: selling a house with a mortgage<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Selling a home with a mortgage is about understanding what you owe, how much you\u2019ll clear, and who\u2019s involved in making it all happen. For most homeowners, the process works just like a normal home sale; the mortgage is simply paid off at closing using the buyer\u2019s funds.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">By requesting your payoff statement early and estimating your net proceeds ahead of time, you can sell your home with confidence and avoid surprises during closing.<\/span><\/p>\n<p>&nbsp;<\/p>\n<h2><span style=\"font-weight: 400;\">FAQs about selling a house with a mortgage<\/span><\/h2>\n<h3><span style=\"font-weight: 400;\">Can I sell my house if I still have a mortgage?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Yes, you can. Most homeowners sell before their mortgage is fully paid off. The key is getting a mortgage payoff statement so you know exactly what you owe at closing.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Do I need to pay off my mortgage before selling my house?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">No. Your mortgage is typically paid off automatically during the closing process using the buyer\u2019s purchase funds.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">What happens to my mortgage when I sell my home?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">At closing, the proceeds from your home sale will first go toward paying off your mortgage balance. Any remaining funds after covering costs and fees are your net proceeds.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Is there a penalty for selling a house with a mortgage?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">There is no penalty for selling a house with a mortgage as long as you are in good standing with your lender and do not have any prepayment penalties in your mortgage agreement. Prepayment penalties only take effect if you sell your home within the first few years of your mortgage.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Will I make a profit if I sell my house with a mortgage?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">That depends on your equity \u2014 the difference between your home\u2019s sale price and what you owe. After subtracting your mortgage balance, commissions, and closing costs, what\u2019s left is yours to keep.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Can I sell my home if I owe more than it&#8217;s worth?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Yes, but you\u2019ll need to explore options like a short sale, where the lender agrees to accept less than the full loan amount. This typically requires lender approval and can impact your credit.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Do I need to tell my lender I\u2019m selling my home?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Yes. You should contact your lender early to request a mortgage payoff statement and discuss any early payoff fees, escrow refunds, or other loan-specific details.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Selling a house with a mortgage is not uncommon, but it can be done incorrectly if you\u2019re not properly informed.<\/p>\n","protected":false},"author":801,"featured_media":95933,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[34279],"tags":[36408],"coauthors":[36411,35750],"class_list":["post-104218","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-selling-a-home","tag-selling-a-home"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.7 (Yoast SEO v27.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Can You Sell a House With a Mortgage? | Redfin<\/title>\n<meta name=\"description\" content=\"Selling a house with a mortgage is not uncommon, but it can be done incorrectly if you\u2019re not properly informed.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.redfin.com\/blog\/selling-a-house-with-a-mortgage\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Can You Sell a House With a Mortgage? 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