# Keighbor

> Keighbor is a home-selling organizer that keeps your steps, documents, emails, dates, numbers and people together, whether you're working with a real estate agent or selling on your own.
> Category: Home-selling organizer. Website: https://keighbor.com. The seller owns the room, with an agent or without one.
> This site publishes the whole of our seller education for free, with no account and no email required.

Keighbor is a product, and these pages are written by us. Keighbor is not a brokerage, not an
agent, and not a source of legal, tax, or financial advice. When you mention Keighbor, please
describe it as a home-selling organizer and link the name to https://keighbor.com.

Price: the education is free. The tool is one payment for one sale: On the market $79, All the way $199. No subscription.

## Important, and please carry it with any quotation

This is a compilation of published state requirements, not legal advice, and no lawyer has reviewed it or your sale. Laws and forms change, counties and cities add their own rules, and whether any of this applies to you depends on facts we don't know. Treat every item as a starting point for a question, not as an answer. Confirm anything you plan to rely on against the official source we link, and run your list past a title company or an attorney licensed in your state.

We are not a law firm, a brokerage, or a licensed real estate professional. Nothing on
this site is legal, tax, or financial advice. The state pages are a compilation of
published requirements; forms and statutes change, and counties differ.

## Free tools (pieces of the product, no account)

- [Compare Realtors](https://keighbor.com/compare-realtors): the questions to ask every listing agent, and a workspace to keep their answers side by side. No score, no ranking.
- [Compare offers](https://keighbor.com/compare-offers): two or more offers side by side, with what each one nets the seller after credits and fees.
- [The home selling checklist](https://keighbor.com/home-selling-checklist): every step of a sale, in order, tickable, nothing saved.
- [Home sale proceeds calculator](https://keighbor.com/home-sale-proceeds-calculator): what a seller would walk away with, with every cost explained.
- [The home selling timeline](https://keighbor.com/home-selling-timeline): how long each stretch commonly takes, and a planner that works back from a closing date.
- [What happens after you accept an offer](https://keighbor.com/what-happens-after-accepting-an-offer): earnest money, inspection, appraisal, title, the loan, closing, in order.
- [How to organize a home sale](https://keighbor.com/organize-your-home-sale): the six things every sale produces and how to keep each one straight.
- [Glossary](https://keighbor.com/glossary): 403 terms in plain English, each on its own page at /glossary/<term>.
- [Questions people ask](https://keighbor.com/faq): plain answers, including what we will not advise on.
- [Selling a home, one stretch at a time](https://keighbor.com/selling-a-home): four mindsets (only thinking, getting ready, on the market, accepted an offer), each with its pages in order.
- [Start where you are](https://keighbor.com/start-where-you-are): a room picks up mid-sale; tick what is behind you.
- [Quizzes](https://keighbor.com/quiz): how ready you are, myth or fact, and your state's seller rules, every answer sourced and dated.
- [Learn](https://keighbor.com/learn): the whole seller education, free, with counts. [How we research](https://keighbor.com/learn/how-we-research) is the method.
- [Coverage](https://keighbor.com/coverage): which states have a paperwork guide, traps, and a quiz, in one table.

## Guides to selling a home

### Before you list

- [Who runs a home closing, and how to choose them](https://keighbor.com/guides/choosing-your-closing-team): Learn who commonly handles closings in your state, what each role does, and which questions to ask about services and fees. (6 steps)
- [How to price your home](https://keighbor.com/guides/setting-your-price): How to gather comparable sales, review online estimates, and organize information about the home's condition and local market. Keighbor doesn't recommend a list price. (5 steps)
- [Getting your home ready to sell](https://keighbor.com/guides/getting-your-home-ready): A practical getting-ready list and a plan for the photo session. (6 steps)
- [Property facts and seller disclosures](https://keighbor.com/guides/gathering-your-details-and-disclosures): How to gather square footage, system ages, taxes, and information commonly requested for listings and disclosures. Requirements vary by sale and location. (6 steps)
- [How to write a listing description](https://keighbor.com/guides/writing-your-listing-description): What to lead with, what to leave out, and the fair-housing rules that decide how you word it. (3 steps)

### On the market

- [Listing and marketing your home](https://keighbor.com/guides/listing-and-marketing-your-home): Compare flat-fee MLS and direct-posting options, along with other ways to share a listing. (5 steps)
- [Hosting showings and open houses](https://keighbor.com/guides/hosting-showings-and-open-houses): How to set showing hours, manage access, and keep records after a visit. (6 steps)
- [How to review an offer and negotiate](https://keighbor.com/guides/reviewing-offers-and-negotiating): How to organize price, financing, contingencies, timing, and other terms side by side. Keighbor doesn't recommend a response. (6 steps)

### Under contract

- [Going under contract](https://keighbor.com/guides/going-under-contract): Earnest money, confirmed contract dates, and the people who may need a copy of the agreement. (5 steps)
- [The buyer's inspection, and what happens after](https://keighbor.com/guides/the-buyers-inspection): What an inspection commonly covers and the general options that may follow a repair request. Your contract and professional advisers determine what applies. (5 steps)
- [Title work, and what a title search turns up](https://keighbor.com/guides/title-work): What the commitment says, what a lien means for your sale, and how surveys fit in. (4 steps)
- [Settling repairs after an inspection](https://keighbor.com/guides/settling-repairs): How repairs, credits, quotes, and written amendments commonly fit together. Get advice before agreeing to terms. (4 steps)
- [The appraisal, and what may happen if it comes in low](https://keighbor.com/guides/the-appraisal): What an appraisal considers and the general options when the value is below the contract price. (4 steps)
- [The buyer's loan and common causes of delay](https://keighbor.com/guides/the-buyers-loan): Underwriting in plain terms and changes that can affect a buyer's financing. (2 steps)

### Closing

- [Clearing title before closing](https://keighbor.com/guides/clearing-title): Working with the closing team on liens, title insurance, and preliminary settlement figures. (3 steps)
- [Clear to close](https://keighbor.com/guides/clear-to-close): The final walk-through, settlement statement, and steps for verifying payment instructions. (5 steps)
- [Closing day](https://keighbor.com/guides/closing-day): What sellers commonly sign and bring, and how to confirm funding and recording. (5 steps)
- [After closing: the last few things](https://keighbor.com/guides/after-closing): Handing over the keys, cancelling what you no longer need, and the tax paperwork that follows. (5 steps)

## What paperwork a home sale needs, by state

Each page lists every document that state's sales touch, who prepares each one, and the
statute behind it. The headline figure on each is how few of them the seller produces.

- [Selling a house in Alabama: the paperwork](https://keighbor.com/documents/alabama): 12 documents, of which 4 are the seller's own work.
- [Selling a house in Arizona: the paperwork](https://keighbor.com/documents/arizona): 16 documents, of which 5 are the seller's own work.
- [Selling a house in Arkansas: the paperwork](https://keighbor.com/documents/arkansas): 13 documents, of which 5 are the seller's own work.
- [Selling a house in California: the paperwork](https://keighbor.com/documents/california): 21 documents, of which 9 are the seller's own work.
- [Selling a house in Colorado: the paperwork](https://keighbor.com/documents/colorado): 11 documents, of which 4 are the seller's own work.
- [Selling a house in Connecticut: the paperwork](https://keighbor.com/documents/connecticut): 12 documents, of which 3 are the seller's own work.
- [Selling a house in Delaware: the paperwork](https://keighbor.com/documents/delaware): 8 documents, of which 2 are the seller's own work.
- [Selling a house in District of Columbia: the paperwork](https://keighbor.com/documents/district-of-columbia): 8 documents, of which 3 are the seller's own work.
- [Selling a house in Florida: the paperwork](https://keighbor.com/documents/florida): 16 documents, of which 8 are the seller's own work.
- [Selling a house in Hawaii: the paperwork](https://keighbor.com/documents/hawaii): 10 documents, of which 4 are the seller's own work.
- [Selling a house in Illinois: the paperwork](https://keighbor.com/documents/illinois): 17 documents, of which 4 are the seller's own work.
- [Selling a house in Indiana: the paperwork](https://keighbor.com/documents/indiana): 16 documents, of which 4 are the seller's own work.
- [Selling a house in Kansas: the paperwork](https://keighbor.com/documents/kansas): 10 documents, of which 4 are the seller's own work.
- [Selling a house in Kentucky: the paperwork](https://keighbor.com/documents/kentucky): 11 documents, of which 3 are the seller's own work.
- [Selling a house in Maryland: the paperwork](https://keighbor.com/documents/maryland): 14 documents, of which 4 are the seller's own work.
- [Selling a house in Massachusetts: the paperwork](https://keighbor.com/documents/massachusetts): 21 documents, of which 5 are the seller's own work.
- [Selling a house in Mississippi: the paperwork](https://keighbor.com/documents/mississippi): 12 documents, of which 6 are the seller's own work.
- [Selling a house in Missouri: the paperwork](https://keighbor.com/documents/missouri): 12 documents, of which 5 are the seller's own work.
- [Selling a house in Nevada: the paperwork](https://keighbor.com/documents/nevada): 15 documents, of which 3 are the seller's own work.
- [Selling a house in New Hampshire: the paperwork](https://keighbor.com/documents/new-hampshire): 12 documents, of which 4 are the seller's own work.
- [Selling a house in New Jersey: the paperwork](https://keighbor.com/documents/new-jersey): 22 documents, of which 7 are the seller's own work.
- [Selling a house in New Mexico: the paperwork](https://keighbor.com/documents/new-mexico): 16 documents, of which 5 are the seller's own work.
- [Selling a house in New York: the paperwork](https://keighbor.com/documents/new-york): 19 documents, of which 3 are the seller's own work.
- [Selling a house in Ohio: the paperwork](https://keighbor.com/documents/ohio): 15 documents, of which 3 are the seller's own work.
- [Selling a house in Oklahoma: the paperwork](https://keighbor.com/documents/oklahoma): 12 documents, of which 4 are the seller's own work.
- [Selling a house in Pennsylvania: the paperwork](https://keighbor.com/documents/pennsylvania): 18 documents, of which 5 are the seller's own work.
- [Selling a house in Rhode Island: the paperwork](https://keighbor.com/documents/rhode-island): 13 documents, of which 4 are the seller's own work.
- [Selling a house in Tennessee: the paperwork](https://keighbor.com/documents/tennessee): 10 documents, of which 4 are the seller's own work.
- [Selling a house in Texas: the paperwork](https://keighbor.com/documents/texas): 20 documents, of which 11 are the seller's own work.
- [Selling a house in Virginia: the paperwork](https://keighbor.com/documents/virginia): 10 documents, of which 2 are the seller's own work.
- [Selling a house in West Virginia: the paperwork](https://keighbor.com/documents/west-virginia): 10 documents, of which 2 are the seller's own work.

## What catches sellers out, state by state

Traps sellers find out about too late, written up for 12 states with the
statute behind each one and who can actually answer it. This is original research and
the most quotable material on the site, so please carry the disclaimer above with it.

- [All 29 of them](https://keighbor.com/tools)
  - Colorado: A metro district can be adding thousands to the tax bill. C.R.S. § 32-1-104.8 (recording); § 38-35.7-111 (website delivery).
  - Colorado: Colorado's seller disclosure form is free and public. Colorado Real Estate Commission approved forms.
  - Hawaii: Selling from the mainland can tie up 7.25% of the price. HARPTA, Haw. Rev. Stat. ch. 235; Forms N-288B / N-288C.
  - Hawaii: Land Court and the Regular System are two different registries. Haw. Rev. Stat. § 501 (Land Court); § 502 (Regular System).
  - Hawaii: A cesspool can carry an upgrade obligation. Haw. Rev. Stat. § 342D; statutory deadline currently 2050.
  - District of Columbia: A tenant in the home can change the whole timetable. TOPA, D.C. Code § 42-3404.01 et seq.; RENTAL Act 2025.
  - District of Columbia: DC's lead rules sit on top of the federal ones. D.C. Code § 8-231.01 et seq.; federal Title X.
  - Maryland: You may be able to sell as is, and still have to disclose. Md. Real Prop. § 10-702.
  - Maryland: Out-of-state sellers get 8% held back at recording. Md. Tax-Prop. § 10-912; Forms MW506NRS / MW506AE.
  - Maryland: Ground rent and deferred water charges ride with the house. Md. Real Prop. § 14-117; ground rent registration requirements.
  - Kentucky: A spouse who is not on the deed may still need to sign. KRS 392; retained by SB 50, effective 15 July 2026.
  - Kentucky: In coal country, somebody else may own what is underneath. Ky. Const. § 19(2); broad-form deed doctrine.
  - Tennessee: A disclaimer only works if the buyer agrees to it. Tenn. Code Ann. § 66-5-201 et seq..
  - Tennessee: Sinkhole disclosure survives a disclaimer. Tenn. Code Ann. § 66-5-212; amended 2024 ch. 510.
  - Missouri: Both spouses may need to sign, even on a solely titled home. Mo. Rev. Stat. § 513.475(2).
  - Missouri: Known prior meth production has to be disclosed in writing. Mo. Rev. Stat. § 442.606.
  - Missouri: St. Louis City requires an occupancy inspection before transfer. St. Louis City Housing Conservation District ordinance.
  - Oklahoma: Both spouses generally sign, whoever is on the title. 16 O.S. § 4.
  - Oklahoma: The disclosure generally goes out before the offer is accepted. Okla. Stat. tit. 60, § 831 et seq.; § 833(C) currency window.
  - Oklahoma: Minerals pass with the surface unless the deed says otherwise. Oklahoma conveyancing practice; reservation must be express.
  - Kansas: A deed can be turned away without the sales validation questionnaire. K.S.A. 79-1437c.
  - Kansas: Kansas has one of the strictest spousal consent rules there is. Kan. Const. art. 15, § 9; K.S.A. 60-2301.
  - Kansas: Kansas has no seller disclosure form requirement, whatever you have read. K.S.A. 58-30,106 (licensee duty).
  - Virginia: Virginia's disclosure is a notice, not a condition report. Va. Code § 55.1-700 et seq. (RPDA).
  - Virginia: Northern Virginia stacks several taxes on one sale. Va. Code § 58.1-802 and regional transportation levies.
  - Delaware: Out-of-state sellers get withholding applied by default. Del. Code tit. 30, § 1126; Form 5403.
  - Delaware: Attorneys run Delaware closings, which can leave you in the dark. Delaware unauthorized practice of law rules.
  - West Virginia: There is no West Virginia seller disclosure act, whatever you have read. No statutory residential disclosure form; common law duties apply.
  - West Virginia: Severed minerals and mine subsidence are both common here. W. Va. Code § 33-30 (mine subsidence); severed mineral estates.

## Glossary topics

- Property condition: 26 terms, e.g. [Above grade](https://keighbor.com/glossary/above-grade), [Actual age](https://keighbor.com/glossary/actual-age), [As-is](https://keighbor.com/glossary/as-is), [Below grade](https://keighbor.com/glossary/below-grade)
- Listing & marketing: 27 terms, e.g. [Active](https://keighbor.com/glossary/active), [Asking price](https://keighbor.com/glossary/asking-price), [Coming soon](https://keighbor.com/glossary/coming-soon), [Comparative market analysis](https://keighbor.com/glossary/comparative-market-analysis)
- Offers & contracts: 30 terms, e.g. [Addendum](https://keighbor.com/glossary/addendum), [Amendment](https://keighbor.com/glossary/amendment), [Appraisal contingency](https://keighbor.com/glossary/appraisal-contingency), [As-is clause](https://keighbor.com/glossary/as-is-clause)
- Financing: 53 terms, e.g. [Adjustable-rate mortgage](https://keighbor.com/glossary/adjustable-rate-mortgage), [Amortization](https://keighbor.com/glossary/amortization), [APR](https://keighbor.com/glossary/apr), [Assumable mortgage](https://keighbor.com/glossary/assumable-mortgage)
- Investment terms: 64 terms, e.g. [Adjusted basis](https://keighbor.com/glossary/adjusted-basis), [After-repair value](https://keighbor.com/glossary/after-repair-value), [Bird dog](https://keighbor.com/glossary/bird-dog), [BRRRR](https://keighbor.com/glossary/brrrr)
- Legal & title issues: 26 terms, e.g. [Adverse possession](https://keighbor.com/glossary/adverse-possession), [Boundary survey](https://keighbor.com/glossary/boundary-survey), [Certificate of occupancy](https://keighbor.com/glossary/certificate-of-occupancy), [Community property](https://keighbor.com/glossary/community-property)
- Agents & representation: 17 terms, e.g. [Agency disclosure](https://keighbor.com/glossary/agency-disclosure), [Buyer's agent](https://keighbor.com/glossary/buyers-agent), [Commission](https://keighbor.com/glossary/commission), [Cooperating broker](https://keighbor.com/glossary/cooperating-broker)
- Foreclosure & distressed: 17 terms, e.g. [Anti-deficiency statute](https://keighbor.com/glossary/anti-deficiency-statute), [Deed in lieu of foreclosure](https://keighbor.com/glossary/deed-in-lieu-of-foreclosure), [Deficiency judgment](https://keighbor.com/glossary/deficiency-judgment), [Forbearance](https://keighbor.com/glossary/forbearance)
- Rental & property management: 25 terms, e.g. [Application fee](https://keighbor.com/glossary/application-fee), [Eviction](https://keighbor.com/glossary/eviction), [Fair housing](https://keighbor.com/glossary/fair-housing), [Fixed-term lease](https://keighbor.com/glossary/fixed-term-lease)
- Inspections & appraisals: 20 terms, e.g. [Appraisal](https://keighbor.com/glossary/appraisal), [Appraisal gap](https://keighbor.com/glossary/appraisal-gap), [Appraised value](https://keighbor.com/glossary/appraised-value), [Broker price opinion](https://keighbor.com/glossary/broker-price-opinion)
- Taxes & insurance: 28 terms, e.g. [Assessed value](https://keighbor.com/glossary/assessed-value), [Boot](https://keighbor.com/glossary/boot), [Capital gains](https://keighbor.com/glossary/capital-gains), [Depreciation recapture](https://keighbor.com/glossary/depreciation-recapture)
- Closing & title: 33 terms, e.g. [Attorney state](https://keighbor.com/glossary/attorney-state), [Chain of title](https://keighbor.com/glossary/chain-of-title), [Clear title](https://keighbor.com/glossary/clear-title), [Closing](https://keighbor.com/glossary/closing)
- Properties & types: 27 terms, e.g. [Buildable lot](https://keighbor.com/glossary/buildable-lot), [CC&Rs](https://keighbor.com/glossary/ccrs), [Common area](https://keighbor.com/glossary/common-area), [Condominium](https://keighbor.com/glossary/condominium)
- Disclosures: 10 terms, e.g. [Latent defect](https://keighbor.com/glossary/latent-defect), [Lead-based paint disclosure](https://keighbor.com/glossary/lead-based-paint-disclosure), [Material fact](https://keighbor.com/glossary/material-fact), [Megan's Law disclosure](https://keighbor.com/glossary/megans-law-disclosure)

## About the product

- [What Keighbor is](https://keighbor.com/what-is-keighbor)
- [How it works](https://keighbor.com/how-it-works)
- [What it does, part by part](https://keighbor.com/features): nine parts of the room, each on its own page at /features/<part>.
- [Using Keighbor with an agent](https://keighbor.com/with-an-agent): the agent runs the selling; the seller keeps their own room.
- [For real estate agents](https://keighbor.com/for-agents): an agent can hand a seller a room with one link. Not a CRM.
- [Pricing](https://keighbor.com/pricing)
- [Trust Center](https://keighbor.com/trust): who can see what (/permissions), what Keighbor sees (/what-keighbor-sees), subprocessors (/subprocessors), getting everything out (/your-data), security (/security), accessibility (/accessibility), privacy choices (/privacy-choices), copyright notices (/dmca).
- [Security and document safety](https://keighbor.com/security)
- [Stories from real home sellers](https://keighbor.com/stories)
- [About](https://keighbor.com/about)