What Paperwork Do I Need to Sell My House Myself?

Selling your home without a real estate agent — known as for sale by owner (FSBO) — means handling the entire process on your own, including gathering and managing the right paperwork. From your property survey and title documents to disclosure forms and the final closing paperwork, you’ll need quite a few documents to sell your house. Still, the idea of saving money on commission fees and staying in control of the selling process can be enticing. Below, we’ll walk through what it means to sell FSBO, the paperwork you’ll need, and why some sellers still choose to hire a real estate agent.

What it means to sell for sale by owner

A for sale by owner (FSBO) home is a property sold directly by the owner without the assistance of a listing agent. Sellers often choose this route to avoid paying agent commissions or to maintain more control over the timeline and negotiation process.

But it also means taking on every part of the transaction, including setting the listing price, marketing the home, scheduling open houses, negotiating with buyers, preparing contracts, managing paperwork, and coordinating with lenders, inspectors, and title companies. Be aware you may also need to seek outside counsel from an attorney to assist you with contracts and negotiation.

While FSBO sellers are doing more, they represent a relatively small portion of the market. According to Zillow research, nearly all sellers (93%) use an agent in some capacity, which means only about 7% of sellers report managing the entire process on their own.

Paperwork for selling a house for sale by owner

If you’re preparing to sell your house yourself, getting familiar with the paperwork is key. Some documents you’ll need to gather yourself, while others come from lenders, title companies, or attorneys. Be aware that requirements can vary by state. Check local regulations or consult a professional if you’re unsure.

Before you list your house

Before you put your home on the market, there are several important documents to gather that help verify ownership, outline property details, and support your disclosures to potential buyers.

• Original sales contract: When you bought your home, you signed a purchase agreement. Referring to this document can help you recall details of your purchase.
• Property survey: Defines your property lines, fences, structures, and easements. Often requested by buyers.
• Mortgage statement and loan documents: Shows your current payoff amount and any additional liens or loans tied to your home.
• Utility and property tax bills: Offers buyers insight into ongoing costs.
• Certificate of occupancy: Confirms your home meets local codes and is fit to live in.
• Property deed: Proves ownership and allows transfer of property to the buyer.
• HOA documents: Includes CC&Rs, monthly dues, and neighborhood rules if your property is in a homeowners association.
• Repair and maintenance records: Keeps track of major updates or fixes that may need to be disclosed.
• Inspection reports and permits: Include any pre-sale home inspections or permits tied to home improvements.
• Warranties and manuals: Appliance warranties and user manuals can add buyer confidence.
• School district info: Provide the names and addresses of local public schools associated with your property to help inform potential buyers.
• Seller’s disclosure statement: A seller’s disclosure is a legally required document in most states that outlines known material facts about the property. It’s crucial to be honest and thorough — failure to disclose issues can lead to legal trouble.
  

Once your home is listed

When your home is on the market and buyers begin making offers, here’s what to expect:

• Purchase agreement: The purchase and sales agreement outlines the buyer’s offer, including all of the key terms like purchase price, contingencies (such as home inspections or financing), and proposed closing date.
• Appraisal report: If the buyer is financing the home, their lender usually requires a home appraisal. If you’ve had a recent appraisal done, you can provide that documentation upfront.
  

At closing

On closing day, you’ll review and sign several documents with the closing attorney or settlement agent, including:

• Closing statement or proof of sale: An itemized breakdown of closing costs and financial details, including how much money you stand to make from the sale. It confirms the transaction has been finalized and funds have been transferred. 
• Deed: Transfers ownership to the buyer.
  

Why sellers choose to work with an agent

There’s no doubt selling your home solo comes with a big learning curve. The sheer volume of paperwork alone can be overwhelming, especially if you’re not familiar with real estate contracts or state regulations. That’s one reason many sellers opt to work with an experienced real estate agent who can help manage the process and ensure nothing falls through the cracks.

Agents handle the listing, negotiations, legal documentation, and coordination with other professionals, which can take a lot off your plate. Plus, their expertise can help you price your home accurately and navigate complex situations like multiple offers or inspection issues. If you’re curious about working with an agent, contact one of our qualified Zillow partner agents to learn more.

Pros and cons of for sale by owner 

There are advantages and disadvantages to selling your home without an agent. Here are a few to consider:

Pros

• Cost savings: Avoiding agent commission fees (typically 3–6%) can mean thousands of dollars back in your pocket.
• Control and flexibility: You get to set the price, schedule showings, and communicate directly with buyers.
• Potential for faster closings: With fewer intermediaries, the process may move more quickly.
• Personalized marketing: Highlight your home’s best features in a way that only you can.

Cons

• Lack of expertise: Without a deep understanding of the market, pricing, or contracts, you risk missteps.
• Time-consuming: Managing listings, showings, paperwork, and negotiations requires significant time and energy.
• Lower sale price: FSBO homes can sell for less than agent-assisted properties.
• Marketing challenges: Getting visibility can be difficult without access to the MLS or professional tools.
• Legal risks: You’re responsible for complying with local disclosure laws and regulations.
• Negotiation hurdles: Without experience, it may be harder to navigate buyer demands or push for the best deal.
• Limited exposure: Your listing may not reach as many potential buyers without an agent’s network.
  

Want help without giving up control?

Selling FSBO gives you full ownership of the process, but that doesn’t mean you have to go it alone. With Zillow’s selling tools, you can stay in the driver’s seat while getting expert support.

If you’re unsure, consider selling with a Zillow partner agent. Explore agents by local market expertise, specialties and verified reviews to find the perfect match. Own your selling process from start to finish, and list your home directly on Zillow to reach motivated buyers today.