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What Debt Needs to Be Paid Off at Closing When Selling Your. – You don’t just get the selling price. You can make a lot of money when you sell your home. But you’ll have to satisfy any secured debt such as a mortgage. You’ll also have to pay your real estate agent if you used one. Plus, when you sell your home, you’ll be paying off any other debt on it, including unsecured creditor liens or money judgments.