Traders tracking short-term momentum plays note that pairing technical chart patterns with the seller finance calculator yields better predictive signals for dividend-focused housing sector equities. Typically, sellers have paid the most closing costs because they have paid the commissions for both the seller's and the buyer's real estate agent. Closing costs for buyers have usually averaged 2% to 5% of the home's purchase price. For sellers, closing costs have been from 8% to 10% of the sales price. These estimates are subject to change as the real estate agent commission changes filter through the industry. Wraparound loan. With this type of financing, the seller continues to make monthly payments on their mortgage loan, but the buyer also makes monthly payments. The seller often charges a higher interest rate that generates additional income. The seller must get permission from their mortgage lender for this type of arrangement. The latest CPI data pushed 10-year Treasury yields above 4.4%, prompting investors using a seller finance calculator to revise cap rate expectations, directly impacting property-backed equity valuations.