Seller Net Sheet Calculator
Estimate how much you'll walk away with after selling your home. Calculate net proceeds after mortgage payoff, commissions, closing costs, and credits.
Current loan balance to be paid off
County tax, cities may add more
Estimated Net Proceeds
$140,255
31.2% of sale price
Sale Price
$450,000
Total Deductions
-$309,745
You Keep
$140,255
MORTGAGE PAYOFF
CLOSING COSTS
PRORATIONS
How It Works
1. Enter Sale Details
Input your expected sale price, current mortgage balance, and select your state for accurate transfer taxes.
2. Customize Costs
Adjust commission rate, closing costs, and any buyer credits or concessions you're offering.
3. See Your Net Proceeds
Instantly see your estimated walk-away amount with a detailed breakdown of all deductions.
Frequently Asked Questions
- 1.Get a mortgage payoff statement for exact balance
- 2.Interview multiple agents and negotiate commission
- 3.Price your home competitively to avoid credits later
- 4.Address repairs before listing to avoid buyer credits
- 5.Compare title company fees before selecting one
- 6.Time your sale to minimize property tax prorations
- 7.Consider seller concessions vs. price reduction strategically
- 8.Review closing disclosure carefully before signing
Free Seller Net Sheet Calculator for Home Sellers
Understanding how much you'll walk away with after selling your home is crucial for financial planning. Our free seller net sheet calculator provides a detailed breakdown of all costs associated with selling, from agent commissions to state transfer taxes, so you can accurately estimate your net proceeds before listing your home.
What Affects Your Net Proceeds
Several factors determine how much money you'll receive at closing. The largest deductions are typically your mortgage payoff and agent commissions. State transfer taxes can also significantly impact your proceeds - states like New York and Washington have rates over 1%, while Texas has no transfer tax at all. Other costs include title insurance, escrow fees, prorations, and any buyer credits you agree to.
Maximizing Your Sale Proceeds
While some costs are fixed, others are negotiable. Commission rates vary by market and can often be negotiated, especially for higher-priced homes. Preparing your home properly before listing can help avoid repair credits or price reductions. Getting multiple quotes for title and escrow services can also save hundreds of dollars.
Planning Your Next Move
Knowing your estimated net proceeds helps you plan your next purchase. If you're buying another home, your net proceeds will likely form your down payment. Understanding this number early helps you set realistic expectations for your next home's price range and mortgage amount. Use this calculator alongside our home affordability calculator to plan your complete real estate journey.
Planning Your Next Purchase?
See how much home you can afford with your sale proceeds.
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