Net Seller Proceeds Calculator
Find out exactly how much money you'll walk away with after selling your home — after paying off your mortgage, agent fees, and all closing costs.
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%
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Estimated Net Proceeds
$136,800
You take home 30.4% of the sale price
Mortgage Payoff: $280,000
Commission: $24,750
Closing Costs: $5,000
Repairs & Staging: $3,000
Transfer Tax: $450
Sale Price
$450,000
Total Deductions
$313,200
Commission Amount
$24,750
Transfer Tax
$450
Advanced
Advanced Analysis
Price scenarios at list vs below asking, closing cost breakdown
How much does your net change if buyers negotiate below your asking price of $450,000?
List Price
$136,800
Sale price: $450,000
Commission: $24,750
−5% (below ask)
$115,560
Sale price: $427,500
Commission: $23,513
Net loss vs list: -$21,240
−10% (low offer)
$94,320
Sale price: $405,000
Commission: $22,275
Net loss vs list: -$42,480
Pro
Professional Simulator
Capital gains tax implications, sell vs hold and rent comparison
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yrs
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Adjusted Cost Basis
$300,000
Purchase price + improvements
Capital Gain
$150,000
Sale price − adjusted basis
Primary Residence Exclusion
$250,000
$250K — qualifies (7 yrs)
Taxable Gain After Exclusion
$0
Fully excluded!
Capital Gains Tax Due
$0
15% of $0 taxable gain
Net Proceeds After Tax
$136,800
Your true take-home
No capital gains tax! Your gain of $150,000 is fully covered by the $250,000 primary residence exclusion. You keep all $136,800 in net proceeds tax-free.
How to Use This Calculator
Enter all the costs associated with selling your home to see your true net proceeds:
- Sale Price: The contract price the buyer is paying.
- Mortgage Payoff: Your remaining loan balance. Get the exact figure from your lender — it includes accrued interest and may differ from your balance shown online.
- Agent Commission: Total commission rate for both agents. Typically 5-6%, though this is negotiable.
- Closing Costs: Title fees, escrow, recording, and other costs paid by the seller. Typically $2,000-$5,000.
- Repairs & Staging: Any pre-sale prep costs you're paying out of pocket.
- Transfer Tax: Real estate transfer tax as a percentage of sale price. Varies by state and county — many states have none.
The Net Proceeds Formula
Net Proceeds = Sale Price
− Mortgage Payoff
− Agent Commission (% of Sale Price)
− Closing Costs
− Repairs & Staging
− Transfer Tax (% of Sale Price)
− Mortgage Payoff
− Agent Commission (% of Sale Price)
− Closing Costs
− Repairs & Staging
− Transfer Tax (% of Sale Price)
This gives you the cash you'll actually receive at closing. Any amount is then yours — to use toward a new home, invest, or keep. Note: capital gains taxes may also apply if your profit exceeds the $250,000 ($500,000 married) exclusion.
Example: Selling After 8 Years
Robert & Linda Sell Their Starter Home
Bought in 2017 for $280,000, selling in 2025 for $450,000 with $200,000 remaining on the mortgage.
| Sale Price | $450,000 |
| Mortgage Payoff | $200,000 |
| Commission (5.5%) | $24,750 |
| Closing Costs | $3,500 |
| Pre-Sale Repairs | $4,000 |
| Transfer Tax (0.1%) | $450 |
| Total Deductions | $232,700 |
| Net Proceeds | $217,300 |
They walk away with $217,300 — well within the $500,000 married capital gains exclusion, so no federal capital gains tax owed. This becomes their down payment on a larger home.
Frequently Asked Questions
Typical seller closing costs beyond commission include: title/escrow fees ($500-2,000), attorney fees (in attorney states), recording fees ($100-300), HOA transfer fees if applicable, and any prorated property taxes. Total non-commission costs usually run $2,000-$5,000 depending on the state.
Contact your lender and request an official payoff statement for a specific date. The payoff amount includes your principal balance plus any accrued interest, and typically has a per-diem rate for each day past the payoff date. It's usually 1-2 months' interest higher than your statement balance.
Most homeowners don't owe capital gains tax due to the IRS exclusion: $250,000 for single filers, $500,000 for married couples filing jointly. You must have lived in the home as your primary residence for at least 2 of the last 5 years. Gains above the exclusion are taxed at long-term capital gains rates.
A short sale occurs when you owe more on your mortgage than your home is worth and the lender agrees to accept less than full payoff. It's a distressed sale that requires lender approval and can take 3-6 months. It impacts your credit but less severely than foreclosure.