[quote][quote]

The only time that real estate commissions and closing costs are considered are when they are actually incurred. And then you would be going by the verifiable actual costs. [/quote]

the OP said it's on the market so commissions and closing costs will come into play. [/quote]

Yes, after it is sold. That's when the proceeds will be split. Not before. And in this market, they may be able to get a lower real estate commission depending on where they are.