Seller Net Proceeds Calculator
When you sell, the number that matters is what lands in your account after everyone is paid. Enter your sale price, mortgage payoff, and state to see your costs line by line and your estimated net proceeds — then download a clean PDF to take to your agent or attorney.
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How to use it
- 1 Enter your expected sale price and your current mortgage payoff balance.
- 2 Choose your state and set the agent commission (5–6% is typical, and negotiable).
- 3 Add any seller concessions or credits you expect to give the buyer.
- 4 Read your estimated net proceeds, then download or print the cost sheet as a PDF.
Why this matters
Most closing-cost tools only serve buyers, which leaves sellers guessing. Yet the seller usually pays the single largest line item — the agent commission — plus, in most states, the bulk of the transfer tax and often the owner's title policy. Knowing your net proceeds before you list tells you whether the sale clears your mortgage, funds your next down payment, and covers moving. This sheet lays it out and lets you export a clean PDF — something the big calculators don't offer.
Frequently asked questions
How do I calculate my net proceeds from selling a house?
Start with the sale price, subtract selling costs (agent commission, transfer tax, title and settlement fees, recording costs, and any concessions to the buyer), then subtract your remaining mortgage payoff. What's left is your net proceeds. This tool does the math with your state's rates and lets you download the breakdown.
What costs does a seller pay at closing?
Typically the real-estate agent commission (the largest cost), transfer tax in most states, the owner's title policy in many states, a settlement or attorney fee, recording and payoff-processing fees, and any seller concessions agreed in the contract. Property-tax and HOA prorations also apply. The exact mix varies by state custom.
How much does it cost to sell a house?
All-in, selling costs commonly run 6%–10% of the sale price, dominated by the agent commission (often 5%–6%). Transfer tax, title, and settlement fees add the rest, and they vary a lot by state. Enter your numbers above for a state-specific estimate.
Is the agent commission negotiable?
Yes. Commission rates are always negotiable and, after recent industry changes, increasingly so. The default in this tool is a typical 5.5% — adjust it to whatever you've agreed with your agent to see the effect on your net proceeds.
Keep going
Know when closing-cost rates change
One short email when a state changes its transfer tax, recording fees, or title rules — the same dataset behind every estimate on this site. No spam. Unsubscribe anytime. We never share your email.