We’re a mostly stay-put nation: Nearly half of American homeowners 50 and older have been in the same residence for 20-plus years. Which means that when it finally comes time to move on, you should be prepared for some sticker shock. Selling a home costs a lot of money, often as much as 10 percent of the sales price. But you can reduce that with a little negotiating, planning and do-it-yourself taskwork. Here’s the lowdown.

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