Net proceeds calculator
Estimate what you'd walk away with after selling your home, in any state. Enter your own numbers: it runs in your browser and nothing you type is sent anywhere.
| Sale price | $0 |
| Mortgage payoff and liens | $0 |
| Listing agent commission | $0 |
| Buyer's agent compensation | $0 |
| Transfer tax | $0 |
| Owner's title policy | $0 |
| Escrow or settlement fee | $0 |
| Property tax proration | $0 |
| HOA fees | $0 |
| Repairs or credits to the buyer | $0 |
| Other costs | $0 |
| Estimated net to you | $0 |
This only does arithmetic on the numbers you enter. It is not a quote, an appraisal or tax advice. Your title company or closing attorney's settlement statement shows the real figures. Taxes on any gain are not included; ask a tax professional.
How the estimate works
Net proceeds are the sale price minus everything that comes out of it at closing. The calculator subtracts exactly what you enter, and nothing else:
- Mortgage payoff and liens. Your lender's payoff figure includes interest up to the payoff date, so it is usually a little higher than the balance on your last statement. Home equity loans and any other liens are paid off at closing too.
- Commissions. Entered as a percentage of the price. Commissions are negotiable and set in your listing agreement. Since August 2024, compensation for the buyer's agent is agreed separately and is not required; enter 0 if you won't pay it.
- Transfer tax. Many states and some cities and counties charge a tax when a deed is recorded. Rates, and who customarily pays, differ a lot: some states charge nothing, others charge 1% or more, and some leave it to the buyer. Pick your state in the calculator to see the rule, with its source, then enter your share.
- Owner's title policy. In some states the seller customarily buys the buyer's owner's policy (Texas and Florida, for example); in others the buyer does. Your contract decides. A title company can quote the exact figure.
- Property tax proration. In places where property taxes are paid in arrears, such as Texas, the seller usually credits the buyer at closing for the days from January 1 to the closing date. The calculator works that out from the tax bill and the date you enter. Where taxes are paid in advance, the buyer may credit you instead; leave the date empty and ask your title company or closing attorney.
- Everything else. Escrow fees, HOA resale certificates and transfer fees, repairs or credits you agree to, a survey, document preparation and recording fees vary by transaction.
Your state page covers transfer taxes, seller disclosure and who runs the closing where you live. Selling in Texas? See the line-by-line Texas seller closing costs guide.
Don't know what the home might sell for? Ask a licensed local agent for a free market report.
Thinking about selling?
Ask one licensed local agent for a free market report, or ask one local cash buyer for an offer. Free to ask, and you're not committing to anything.