Net Proceeds Calculator
The sale price is not the check you take home. This works backward from your sale price through your loan payoff and every cost of sale, so you can see what actually lands in your account — and change any assumption you disagree with.
Costs vary by state and county. Transfer taxes, title and escrow fees, and even who pays which cost are set by state law and local custom — not by any national standard. Several fields below default to 0 on purpose. Enter the figures for your actual location and contract; your escrow, settlement, or closing attorney can confirm them.
The sale
Start with what the home sells for and what you still owe on it.
Agent compensation
Compensation is negotiable and is not set by any board, MLS, or this website. There is no standard rate, and no default is pre-filled here. Enter whatever you and your agent actually agree to in writing — as a percentage, a flat fee, or both. If your agreement includes compensation you offer to a buyer's agent, include it here too.
= $0
Closing costs
These are the ones that differ most from state to state — and even county to county. Everything below defaults to a figure you should replace with your own.
= $0
Estimated net proceeds
Before taxes on any gain
Itemized breakdown
- Sale price$500,000
- Less: mortgage payoff−$300,000
- Less: other loans & liens$0
- Less: agent compensation$0
- Less: title, escrow & settlement$0
- Less: transfer / excise tax$0
- Less: repairs & concessions$0
- Less: other costs$0
- Total cost of sale$0
- Estimated net to you$200,000
Cost of sale (excluding loan payoff) is 0.0% of the sale price.
Estimate only — confirm with your agent and your escrow, settlement, or closing attorney.
This is a planning tool, not a settlement statement and not tax or legal advice. Real closing costs are set by your contract, your state, your county, and your service providers. Your loan payoff changes daily. Property taxes, HOA dues, and utilities get prorated to the closing date.
This figure is also before any capital-gains tax on your profit. Talk to a tax professional about your specific situation — exclusions and basis rules matter and they are not modeled here.
Where the money actually goes
Loan payoff
Almost always the biggest line. Your payoff statement includes interest through the closing date and any payoff/recording fee, so it runs a little higher than the balance you see online.
Agent compensation
Negotiable. There is no standard rate and no rate is set by any board, MLS, or this site. What you pay — and whether any compensation is offered to a buyer's agent — is whatever your written agreement says.
Title, escrow & settlement
Who closes the deal, what they charge, and which side pays for the owner's title policy are all state-and-local questions. Ask for a written fee quote before you sign.
Transfer tax
A tax on the transfer of the deed. Some states levy none; others charge at state, county, and city level at once. Who pays it is local custom and can be negotiated in the contract.
Repairs and concessions
What you agree to fix or credit after inspections. This is a negotiation, not a fixed cost — and it is one of the few lines you have real control over.
Prorations
Property taxes, HOA dues, and sometimes utilities are split between you and the buyer as of the closing date. Depending on your local tax calendar, this can go either way.
Want a real net sheet for your home?
Send me the address and I will build a seller's net sheet with the actual payoff, the real local fees, and a defensible price range — not placeholder numbers.