Seller Net Proceeds Calculator
Know your bottom line before you list. Enter your sale price and costs to see the cash you'll actually take home.
Sale & payoff
Selling costs
0% of the sale price lands in your pocket.
Estimates for planning only — not a loan offer, appraisal or tax advice. Results depend on the numbers you enter.
What goes into your net proceeds
Your net is the sale price minus everything that must be paid at or before closing:
| Cost | Who typically pays | How it’s calculated |
|---|---|---|
| Mortgage payoff & liens | Seller | Payoff statement from your servicer |
| Commissions | Negotiable | Percentage of price, or $0 for the listing side when you sell by owner |
| Title, escrow & attorney | Varies by state custom | Flat fees plus a percentage-based title premium |
| Transfer/excise taxes | Varies by state & county | Percentage of price; some states charge none |
| Prorated taxes & HOA | Seller owes through closing day | Daily rate × days |
| Concessions & repairs | Negotiated | Credits you agree to after inspection |
A worked example
Sell for $400,000 with a $180,000 payoff, no listing commission, a 2.5% buyer-agent fee ($10,000), 1% title/escrow/attorney ($4,000), 0.4% transfer tax ($1,600), and $8,800 in concessions, repairs, prorations and moving costs. Net proceeds: about $195,600.
Make the number bigger
- Skip the listing-side commission by selling by owner.
- Fix small, visible issues before listing so inspection credits stay small — our staging guide shows where $500 goes furthest.
- Shop title and escrow fees; the closing cost estimator shows each line.
- Read seller closing costs explained to know what’s negotiable.
FAQ
What is the difference between equity and net proceeds?
Equity is your home's value minus what you owe. Net proceeds are what's left after you also pay the costs of selling — commissions, closing fees, transfer taxes, concessions and prorations.
How do I get an exact mortgage payoff?
Request a payoff statement from your loan servicer. It shows the principal, interest through a specific date and any fees. Your title or escrow company usually orders it for closing.
Are net proceeds taxable?
Not directly. Tax applies to your gain (sale price minus your adjusted basis and selling costs), and many owners exclude up to $250,000 or $500,000 of gain on a primary residence. See our capital gains guide and IRS Publication 523.
Keep crunching the numbers
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8 questions that tell you whether FSBO, flat-fee MLS or an agent fits you best.