Seller Net Proceeds
Calculator

Net proceeds typically subtract the remaining mortgage payoff balance, real estate agent commissions (usually 5-6% combined), title and escrow fees, transfer taxes, and any negotiated repairs or credits to the buyer. What's left after all of that is the cash you actually walk away with.

Agent commissions alone typically take 5-6% off the top, and combined with payoff of your existing mortgage, closing costs, and any seller concessions, it's common for total deductions to run 8-10% or more of the sale price. This gap surprises many first-time sellers who focus only on the sale price.

Not exactly — you should use your loan's official payoff amount from your lender, which includes accrued interest up to the closing date and may include a small payoff fee, rather than your last statement balance. The two can differ by a meaningful amount depending on your closing date.

They should be, since any amount you agree to credit the buyer — for repairs, closing cost assistance, or a price reduction after inspection — directly reduces your final proceeds. Leaving these out of your estimate will overstate what you'll actually receive.

This calculator typically shows pre-tax net proceeds; capital gains tax, if owed, is a separate calculation based on your profit relative to your cost basis and any primary-residence exclusion you qualify for. Consult a tax professional to estimate the after-tax amount, especially for investment properties or high-appreciation primary homes.