A seller net sheet estimates what a seller walks away with after the sale: the price less the mortgage payoff, commissions, closing costs, prorated taxes, concessions and repairs. Change any line and the net updates; the sheet is an estimate, not a settlement statement.
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
Input your expected sale price, current mortgage balance, and select your state for accurate transfer taxes.
Adjust commission rate, closing costs, and any buyer credits or concessions you're offering.
Instantly see your estimated walk-away amount with a detailed breakdown of all deductions.
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.
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.
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.
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.
See how much home you can afford with your sale proceeds.
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Key facts
Seller net = sale price − mortgage payoff − commissions − transfer taxes − title and escrow fees − prorated property tax − seller concessions − repairs − other liens.
The seller walks away with about $152,800. The sheet is an estimate; the settlement statement at closing has the final figures.
Equity is the home’s value minus what is owed on it. Net proceeds are what the seller actually receives after selling costs: commissions, transfer tax, title fees, prorations and concessions come out of equity. On a $500,000 home with $310,000 owed, equity is $190,000 but the net is closer to $150,000.
The seller owes tax for the days they owned the home in the current tax period, the buyer for the rest. If tax is paid in arrears, the seller credits the buyer for their share at closing; if it was prepaid, the buyer reimburses the seller. The daily rate is the annual tax divided by 365.
Last reviewed September 8, 2026 by the EstatePass editorial team. Formulas and program limits are checked against the published rules; figures on this page are arithmetic, not market statistics.
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