Seller Net Proceeds Calculator
Estimate what you will walk away with after selling your home.
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This calculator estimates the amount you will walk away with after selling your home. It accounts for all the major costs that come out of your sale price before you see a dollar. Here is how to use it:
- Enter your expected sale price. Use your listing price or a recent appraisal. If you have competing offers, enter the offer amount you are considering.
- Enter your remaining mortgage balance. Check your latest mortgage statement for the current payoff amount. This is subtracted from the sale proceeds at closing.
- Set the agent commission rate. The default is 5%, which covers both listing and buyer agent commissions. Adjust if you have negotiated a different rate or are selling without an agent.
- Set closing costs. Seller closing costs typically run 1-3% of the sale price. This covers title insurance, transfer taxes, escrow fees, and other settlement charges. The default is 2%.
- Add repairs or concessions. Include any agreed-upon repair credits, buyer concessions, or pre-sale renovation costs.
- Add any other costs. This covers anything else: staging, home warranty for the buyer, HOA transfer fees, or moving expenses you want to factor in.
Results update instantly as you type. A green number means you profit from the sale. A red number means you would owe money at closing. Use the Share button to send your estimate to your agent or partner.
About Seller Net Proceeds
Net proceeds are the amount a home seller receives after all costs and obligations are subtracted from the sale price. Many sellers focus on the sale price and are surprised by how much comes off the top. Agent commissions alone often take 5-6% of the sale price, and closing costs, repairs, and the mortgage payoff reduce the check even further.
Understanding your net proceeds before listing helps you set realistic expectations and decide whether selling makes financial sense at a given price point. It also helps you plan your next purchase or rental budget based on the actual cash you will have available.
All calculations run entirely in your browser. We never see or store your financial data.
Frequently Asked Questions
What are typical seller costs when selling a home?
Typical seller costs include agent commissions (5-6% of sale price), closing costs (1-3%), and any repairs or concessions negotiated with the buyer. In total, sellers should expect to pay 8-10% of the sale price in combined costs before the mortgage payoff. The exact amount varies by location, as some states have higher transfer taxes or title fees than others.
How much is the agent commission when selling a house?
Agent commission has traditionally been 5-6% of the sale price, split between the listing agent and the buyer's agent. However, commission rates are negotiable and have been shifting. Some sellers negotiate lower rates, use flat-fee listing services, or sell without an agent (FSBO). After the 2024 NAR settlement, buyers may pay their own agent separately, which could reduce the seller's commission obligation.
What are seller closing costs?
Seller closing costs typically include title insurance (owner's policy for the buyer), transfer taxes or recording fees, escrow or settlement fees, prorated property taxes, HOA transfer fees, and any outstanding liens. These costs usually total 1-3% of the sale price, though they vary significantly by state and municipality.
How can I increase my net proceeds from a home sale?
The most direct ways to increase net proceeds are: negotiate a lower agent commission rate, make strategic repairs that boost the sale price more than they cost, minimize concessions by pricing correctly from the start, and shop around for title and escrow services. Paying down your mortgage before listing also increases proceeds, though the total financial effect is the same since that money comes from your savings.