Estimate how much you may keep after selling a home once commissions, seller costs, mortgage payoff, concessions, repairs, and optional taxes are deducted.
Enter your expected sale price and seller cost assumptions. Keep the advanced fields closed if you only want a quick estimate, or expand them to model taxes, liens, transfer taxes, and other details.
Results
Estimated Net Proceeds Before Tax
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Estimate Before TaxEstimated Net Proceeds After Optional Tax Estimate Simplified estimate
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Proceeds Breakdown
Cost Category Table
| Category | Amount |
|---|---|
| Run the calculator to see the breakdown. | |
What This Means
Results will appear here after you calculate.
Assumptions Used
Enter your inputs and calculate to see the assumptions summary.
Enter your expected sale price and seller cost assumptions to estimate your net proceeds from a home sale. You can also compare multiple offers to see which scenario may leave you with more cash after closing.
Compare up to three offers or sale strategies. A higher sale price may not produce higher net proceeds if the offer includes larger concessions, repairs, closing credits, or commission costs.
| Scenario | Sale Price | Commission | Closing Costs | Concessions & Repairs | Payoffs | Est. Tax | Net Proceeds (Before Tax) | Net Proceeds (After Tax) | vs. Scenario A |
|---|---|---|---|---|---|---|---|---|---|
| Comparison will appear here after calculation. | |||||||||
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This comparison only reflects the numbers entered. It does not evaluate offer certainty, contract risk, timeline, appraisal risk, inspection risk, or legal terms. Consult a qualified real estate professional for guidance.
Home sale net proceeds are the estimated amount a seller may keep after the sale price is reduced by costs such as agent compensation, seller closing costs, loan payoffs, concessions, repairs, liens, and optional taxes. It is not the same as the sale price or home equity. Net proceeds depend on the specific terms of the sale, the seller's financial obligations, and the costs agreed upon in the purchase contract.
Agent compensation can be one of the largest seller costs. This calculator separates listing-agent commission from buyer-agent compensation so you can model the actual terms you expect instead of assuming one combined rate. According to the NAR, commissions are negotiable and should be discussed in written agreements. Compensation arrangements can vary and should be confirmed in the listing agreement, buyer agreement, offer terms, or closing documents.
A mortgage payoff is the amount needed to fully satisfy the loan at closing. It may be different from the current loan balance because the payoff can include interest through the payoff date and possible fees. Verify this with your lender or closing agent using an official payoff statement, not just the balance shown in your online banking account.
A seller concession or seller credit can make an offer more workable for a buyer, but it reduces the seller's net proceeds directly. A higher offer with a large credit can sometimes net less than a lower offer with fewer credits. This is one reason comparing multiple offer scenarios can be valuable before accepting.
Note that concessions can also be subject to loan-program limits that affect buyers' financing. See Fannie Mae Selling Guide on Interested Party Contributions and Freddie Mac Section 5501.6 for buyer-side context.
When comparing offers, users should look beyond the sale price. A lower offer can produce a higher net result if it includes fewer concessions, fewer repairs, a lower buyer-credit request, a faster closing, or different commission assumptions. Use the Scenario Comparison section above to model real differences between offers.
This calculator does not replace a seller net sheet, settlement statement, Closing Disclosure, payoff statement, tax professional, attorney, real estate professional, or title company. It is an estimate based on user-provided assumptions.
Mortgage payoff, HELOC payoff, and lien payoffs are not selling expenses for tax-basis purposes. This simplified model does not determine eligibility for the home-sale exclusion. See IRS Publication 523 for authoritative guidance on home sale tax rules.
Assume the following inputs:
| Sale price | $450,000 |
| Mortgage payoff | $275,000 |
| Listing agent commission (2.5%) | −$11,250 |
| Buyer agent compensation (2.5%) | −$11,250 |
| Seller closing costs (1.2%) | −$5,400 |
| Seller concessions | −$5,000 |
| Repairs / prep costs | −$8,000 |
| Property tax proration & other | −$3,000 |
| Mortgage payoff (paid at closing) | −$275,000 |
| Estimated Net Proceeds Before Tax | $131,100 |
If the adjusted basis is $340,000 and selling expenses for tax purposes are $30,900 (commission + closing costs), then:
This is a simplified planning example only. Tax rules can be complex, especially for rental use, partial exclusions, inherited homes, divorce, business use, depreciation, or state and local taxes. Confirm all tax questions with a qualified tax professional. See IRS About Publication 523.
This calculator estimates home sale net proceeds by subtracting user-entered seller costs, commissions, concessions, loan payoffs, liens, prorations, and optional estimated taxes from the expected sale price. It provides an estimate based on the inputs provided. It does not account for every possible fee, local rule, tax rule, title issue, contract term, market condition, or personal circumstance.
Your final proceeds can change when the lender, title company, attorney, escrow company, tax professional, or real estate professional updates the closing figures. Before relying on the estimate, compare the calculator inputs with your actual documents.
Speak with a qualified real estate professional, closing agent, attorney, lender, or tax professional if you have:
A home sale net proceeds calculator estimates how much money a seller may keep after a home sale. It subtracts commissions, seller closing costs, concessions, repairs, mortgage payoff, liens, prorated taxes, and optional estimated taxes from the sale price. The result is an estimate, not a final closing statement.
No. Home equity is usually the home's estimated value minus mortgage debt. Net proceeds go further by also subtracting selling costs, commissions, credits, repairs, closing costs, and other deductions that may be paid at closing. You can have equity and still net less than you expect once selling costs are included.
Use the mortgage payoff amount when possible. A payoff statement may include interest through the payoff date and fees, so it can be different from the principal balance shown on your mortgage account. Contact your lender and request an official payoff statement to get the most accurate figure for planning purposes.
No. Compensation arrangements can vary and may be negotiated. Per NAR guidance on the settlement, buyers now typically establish compensation terms with their own agents in a written agreement. This calculator separates listing-agent commission from buyer-agent compensation so you can model the actual terms in your agreement or offer.
Seller concessions, credits, and repair credits reduce your net proceeds because they are amounts you agree to give back or pay on behalf of the buyer. A higher offer with large concessions can sometimes net less than a lower offer with fewer credits. Use the Scenario Comparison feature to model this effect directly with your own numbers.
The main result is before tax. You can enable the optional tax estimate to model a simplified capital gains scenario using your purchase price, capital improvements, and an exclusion assumption. The calculator does not determine whether you qualify for an exclusion or how your sale should be reported. See IRS Publication 523 and consult a qualified tax professional for guidance specific to your situation.
Comparing scenarios helps you see how price, commission, concessions, repairs, and payoffs interact with each other. The highest sale price is not always the highest-net offer after deductions are applied. A lower offer with fewer concessions and a cleaner cost structure can produce more proceeds than a higher offer loaded with seller credits, inspection repairs, and closing cost contributions.
The calculator is only as accurate as the inputs you provide. It can be useful for planning and comparing scenarios, but final numbers should be confirmed with your lender, title company, escrow company, attorney, real estate professional, and tax professional. Use the result as a planning estimate, then verify all figures against your actual closing documents and payoff statements before relying on them.
No. It can estimate and compare net proceeds, but it does not evaluate financing risk, appraisal risk, inspection risk, buyer reliability, closing timeline, legal terms, or your personal priorities. Use the result as one input in a broader decision process. A qualified real estate professional, attorney, or other advisor can help you evaluate the full picture when comparing offers.
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