Seller Net Proceeds Calculator

Best for: Seller

Estimate what you will actually net after mortgage payoff, commission, closing costs, repairs, and credits.

What does this calculator do?

This calculator estimates your net proceeds from a property sale by subtracting mortgage payoff, realtor commission, closing costs, repairs, buyer credits, taxes owed, other liens, and moving costs from the sale price.

Who should use it?

Sellers who want to understand what they will actually walk away with after all selling costs — not just the sale price.

What numbers do I need?

Estimated sale price, mortgage payoff, realtor commission percentage, seller closing cost percentage, repairs, buyer credits, taxes owed, other liens, and moving costs.

What should I watch out for?

Commission and closing cost percentages can vary. Repairs discovered during inspection can change your net. Property taxes may be prorated. Always verify with your realtor and title company.

Estimated Sale Price

Mortgage Payoff

Realtor Commission

Seller Closing Cost

Repairs

Buyer Credits

Taxes Owed

Other Liens

Moving Costs

How It Works

1Enter your estimated sale price and remaining mortgage payoff.
2Input the realtor commission percentage (typically 5-6%) and seller closing cost percentage (typically 1-3%).
3Add estimated repair costs, buyer credits, taxes owed, other liens, and moving costs.
4The calculator subtracts all costs from the sale price to show your estimated net proceeds and equity.

Who This Calculator Is For

This calculator is for homeowners considering selling who want to see the real financial outcome after all costs. It is especially useful when deciding whether to sell, what price to accept, or whether to make repairs before listing.

Frequently Asked Questions

How do sellers calculate net proceeds?

Net proceeds = sale price minus mortgage payoff, realtor commission, closing costs, repairs, buyer credits, taxes owed, other liens, and moving costs. This is the amount you actually receive at closing.

What is the difference between gross sale price and net proceeds?

Gross sale price is the total sale amount. Net proceeds is what remains after subtracting all selling costs including mortgage payoff, commission, closing costs, repairs, and credits.

What are typical seller closing costs?

Seller closing costs typically include realtor commission (5-6%), transfer taxes, title insurance, escrow fees, and any agreed-upon buyer credits, usually totaling 6-10% of the sale price.

What is estimated equity?

Estimated equity is the difference between your sale price and mortgage payoff — the gross amount before selling costs. Net proceeds is equity minus all selling costs.

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Calculator results are estimates for educational and informational purposes only. They are not financial, legal, tax, or lending advice and do not represent a loan approval or commitment to lend. Actual terms vary based on lender, borrower profile, documentation, market conditions, and underwriting.