Common paperwork for selling a house by owner

When selling a house by owner, having the right paperwork will not only help you avoid delays and keep the sale legal, but it will also reassure your buyer that they’ve made a good choice, allowing them to remain confident in the deal.

Our list below provides an overview of the most common documents required when selling a house by owner. However, the paperwork you’ll need for your home sale may differ depending on the state where you live. Be certain to check local government requirements or consult with an experienced real estate agent before you proceed.

Here’s a breakdown of the essential documents you’ll need:

Residential property disclosure form: This form discloses the condition of your property to potential buyers, including any known issues or repairs needed.

Signed sales contract (purchase agreement): A legally binding agreement between you and the buyer outlining the terms of the sale.

Title and title reports: These documents prove ownership and outline any liens or legal issues associated with your property.

Deed to your home: The legal document that transfers ownership from you to the buyer.

Certificate of occupancy: A document certifying that your home complies with local building codes and is fit for occupancy.

Property survey: A map of your property’s boundaries and any structures on it, which is often required for verifying the exact property being sold.

Mortgage statement and other loan documents: Documentation showing the current status of any loans or mortgages on your property.

Latest utility bills: These provide proof of recent utility costs and usage, which can be helpful for potential buyers.

Latest property tax bill: Proof of the most recent property taxes paid.

Homeowners association covenants and agreements: If your home is part of a homeowners association, you’ll need to provide any relevant documents outlining rules and fees.

Plans and permits: Any plans or permits related to renovations or major repairs done to your home.

Floor plan or blueprints (if available): These are detailed layouts of your home, which can be helpful for buyers.

Receipts for improvements and repairs: These receipts can confirm upgrades or repairs you’ve made to your home, which can add value to your property.

Major purchase receipts, warranties, and service records: Documentation of major purchases like appliances or home systems, including any warranties and service records.

Special forms required by your state: Some states require additional forms, such as California’s Contingency Removal Form, so be sure to check your state’s specific requirements.

Optional: Professional appraisal or inspection reports: As a FSBO seller, having your own professional pre-listing appraisal or inspection report can provide credibility and transparency to potential buyers. An appraisal can also help you set a fitting sale price.