Seller Net Proceeds Calculator
Estimate what you walk away with after selling your home: your sale price minus the mortgage payoff, agent commission, closing costs, and transfer taxes.
Net proceeds
What you walk away with: sale price minus your payoff and all selling costs. Negative means you bring cash to closing.
$167,750.00
- Total cost to sell
Commission, closing costs, transfer tax, concessions, and prep added together. Excludes your mortgage payoff.
- $32,250.00
- Effective cost to sell
Total cost to sell as a percent of the sale price.
- 7.17%
- Mortgage payoff
- $250,000.00
- Agent commission
- $22,500.00
- Closing costs
- $4,500.00
- Transfer tax
- $2,250.00
- Buyer concessions
- $0.00
- Repairs and prep
- $3,000.00
Net sheet
| Item | Amount |
|---|---|
| Sale price | $450,000.00 |
| Mortgage payoff | -$250,000.00 |
| Agent commission | -$22,500.00 |
| Closing costs | -$4,500.00 |
| Transfer tax | -$2,250.00 |
| Buyer concessions | $0.00 |
| Repairs and prep | -$3,000.00 |
| Net proceeds | $167,750.00 |
Quick answer: With the example inputs this page loads by default, the headline result (Net proceeds) comes to $167,750.00. Estimate what you walk away with after selling your home: your sale price minus the mortgage payoff, agent commission, closing costs, and transfer taxes. Change any input above and every figure updates instantly in your browser.
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Your net proceeds are what you keep after a home sale: the sale price minus your remaining mortgage payoff and the costs of selling, which include the agent commission, closing costs, transfer taxes, any concessions you give the buyer, and repairs or staging. This calculator subtracts each of those from your sale price to show your walk-away number, the total cost to sell, and the effective cost as a percent of the price.
What this result means
Your net proceeds are the cash you walk away with after paying off your mortgage and the costs of selling, and a negative number means you are underwater: the sale does not cover your loan plus selling costs, so you would bring that amount in cash to closing. The effective cost to sell, your selling costs as a share of the price, is a quick way to compare offers or weigh a lower commission. These are estimates from the figures you entered, not a substitute for a title company net sheet.
Assumptions
- Net proceeds are your sale price minus your mortgage payoff minus the total cost to sell. The total cost to sell is the agent commission, seller closing costs, transfer tax, any buyer concessions, and repairs or prep, added together.
- Commission, closing costs, and transfer tax are entered as percentages of the sale price and converted to dollars (sale price times the rate). Buyer concessions and repairs are entered directly as dollar amounts.
- The effective cost to sell is the total cost to sell divided by the sale price. It excludes your mortgage payoff, since repaying your loan is not a cost of the transaction.
- Net proceeds can be negative. If your payoff plus selling costs exceed your sale price you are underwater, and the negative figure is the cash you would need to bring to closing. The calculator shows the real number rather than flooring it at zero.
- Transfer taxes, title and closing fees, and customary commission are not fixed: they vary by state, county, and city, and who pays the buyer agent is negotiable. The calculator uses only the figures you enter, so set them to your local rates for an accurate estimate.
- Not modeled: property tax and HOA dues prorated at closing, a separate home warranty line, unpaid liens or judgments, capital gains tax on the sale, and any prepayment penalty on your loan.
- All figures are rounded to the nearest cent. This is an estimate for educational purposes only and is not a substitute for a title company or attorney net sheet, nor financial, legal, or tax advice. Confirm your actual costs with your agent, title company, and lender payoff statement.
Key terms
Definitions for the terms this calculator uses, in our finance glossary .
How are net proceeds from a home sale calculated?
Net proceeds are the cash you walk away with after a sale. The model is plain subtraction:
net proceeds = sale price - mortgage payoff - total cost to sell
The total cost to sell adds up the five selling costs:
total cost to sell = agent commission + seller closing costs + transfer tax + buyer concessions + repairs and prep
Commission, closing costs, and transfer tax are entered as percentages of the sale price and converted to dollars (sale price times the rate). Buyer concessions and repairs are entered directly as dollar amounts. The mortgage payoff is subtracted to reach net proceeds, but it is not part of the cost to sell, because repaying your loan is settling your own debt, not a transaction fee.
The effective cost to sell is the total cost to sell divided by the sale price, a single percentage you can use to compare offers or weigh a lower commission.
Net proceeds can be negative
If your mortgage payoff plus the selling costs are larger than your sale price, you are underwater and net proceeds are negative. The calculator shows the real negative number rather than flooring it at zero, because that figure is the cash you would have to bring to closing to complete the sale.
Worked example
A $450,000 sale, $250,000 mortgage payoff, 5% total commission, 1% seller closing costs, a 0.5% transfer tax, no concessions, and $3,000 of repairs and prep:
- agent commission =
$450,000 * 5% = $22,500 - seller closing costs =
$450,000 * 1% = $4,500 - transfer tax =
$450,000 * 0.5% = $2,250 - total cost to sell =
$22,500 + $4,500 + $2,250 + $0 + $3,000 = $32,250 - net proceeds =
$450,000 - $250,000 - $32,250 = $167,750 - effective cost to sell =
$32,250 / $450,000 = 7.17%
What this includes and excludes
It includes the agent commission, seller closing costs, transfer tax, buyer concessions, repairs and prep, and your mortgage payoff. It does not model property tax or HOA dues prorated at closing, a separate home warranty line, unpaid liens or judgments, capital gains tax on the sale, or any prepayment penalty on your loan. These vary case by case and are best confirmed with your closing documents.
Costs vary by state, and commission is negotiable
Transfer taxes, title and closing fees, and customary commission all vary by state, county, and city. Transfer taxes alone range from zero in several states to over 2 percent in others. Since the National Association of Realtors settlement took effect on August 17, 2024, buyer-agent compensation is no longer set or advertised on the Multiple Listing Service and is fully negotiable, so enter the total commission you actually agreed to. Because the figures vary so widely, this calculator uses only the rates you enter and is an estimate, not a substitute for a title company or attorney net sheet.
Sources
- Consumer Financial Protection Bureau, guidance on closing costs and the closing process.
- National Association of Realtors, settlement practice changes effective August 17, 2024 (buyer-agent compensation negotiable, no longer offered on the MLS).
Frequently asked questions
- How are net proceeds calculated?
- Net proceeds are your sale price minus your remaining mortgage payoff and the total cost to sell. The cost to sell adds up the agent commission, seller closing costs, transfer taxes, any concessions you give the buyer, and money spent on repairs or staging. What is left is the cash you walk away with.
- What costs come out of a home sale?
- The biggest is usually the real estate commission, followed by seller closing costs such as title, escrow, and settlement fees, plus transfer or recordation taxes. Sellers also often cover some buyer concessions and spend on repairs, staging, or a home warranty. Your mortgage payoff also comes out of the proceeds, though it is repaying your own loan rather than a selling cost.
- Who pays the buyer agent commission now?
- After the National Association of Realtors settlement took effect on August 17, 2024, buyer-agent compensation is no longer set or advertised on the Multiple Listing Service, and buyers sign a written agreement with their agent before touring. Commissions are fully negotiable: a seller may still offer to cover the buyer agent, but it is no longer assumed. Enter whatever total commission you have negotiated.
- How much are seller closing costs?
- Apart from the agent commission, seller closing costs commonly run about 1 to 3 percent of the sale price, covering title insurance, escrow or settlement fees, and recording fees, with the mix and who pays varying by state. Transfer taxes are separate and range from 0 in some states to over 2 percent in others, so use your local rates here.
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Learn how this works
New to this topic? Our companion guide explains it in plain language: What It Really Costs to Sell a House (Net Sheet Explained)
By Sam Sage Last reviewed .