Seller Tool
Home Sale Net Proceeds Calculator
Estimate how much cash you will walk away with after selling your home. Factor in mortgage payoffs, Realtor commissions, and closing costs.
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Calculate Net Proceeds
Enter your estimated sale price and mortgage balance to calculate your estimated take-home proceeds.
Understanding Home Seller Expenses & Closing Costs
When selling a property, your total profit isn't simply the difference between what you bought it for and what you sell it for. Understanding the deductions on your settlement statement ensures there are no surprises at the closing table.
1. Real Estate Commissions
Agent commission fees represent the largest selling cost, usually ranging between 5% and 6% of the purchase price. This fee is divided between the listing broker and the buyer's broker.
2. Title & Settlement Fees
Sellers usually pay for owner's title insurance policies, escrow closing fees, municipal transfer taxes, prorated property taxes, and property lien payoff processing.
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Frequently Asked Questions About Home Sale Net Proceeds
How do I calculate net proceeds from selling my house?
Net proceeds are calculated by taking your home's total sale price and subtracting your remaining mortgage payoff, real estate agent commissions (typically 5-6%), title and closing fees (1-3%), and any property transfer taxes or repair credits.
What closing costs do sellers pay?
Sellers typically cover real estate broker commissions, title search & owner's title policy fees, escrow/closing fees, state or local transfer taxes, recording fees, prorated property taxes, and HOA transfer fees.
How can I maximize my home sale net proceeds?
You can maximize proceeds by pricing competitively based on comparable sales, completing high-ROI cosmetic improvements (paint, landscaping, staging), negotiating agent commissions, and minimizing seller concessions.
Do I pay capital gains tax when selling my home?
Under IRS rules, if the home was your primary residence for at least 2 of the 5 years prior to sale, single filers can exclude up to $250,000 in profit, and married couples filing jointly can exclude up to $500,000 from capital gains taxes.
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