Seller Net Proceeds Calculator

Net proceeds equal the sale price minus every seller-side cost. The calculator subtracts the agent commission (sale price times the commission rate), transfer tax (sale price times the tax rate), your mortgage payoff, closing costs, seller concessions, and any other costs. Whatever is left is the cash you walk away with at closing.

The payoff is the remaining balance on every loan secured by the home, including a first mortgage, any second mortgage or HELOC, plus accrued interest through the closing date and any prepayment penalty. Ask your lender for an official payoff statement, since the figure is usually a little higher than your last statement balance because of daily interest.

It depends on state and local custom. In many areas the seller pays the transfer or excise tax, in others the buyer pays, and sometimes the two split it. Enter the rate that applies to your side of the deal. If your area has no transfer tax or the buyer covers it, set the rate to 0%.

Seller concessions are credits you agree to pay toward the buyer's closing costs or repairs, which lower your net. Other costs cover items like a home warranty, staging, pre-listing repairs, prorated HOA dues, or an escrow holdback. Keeping these separate from your closing costs makes it easier to see how each negotiation point changes your bottom line.

Yes. If your payoff and selling costs add up to more than the sale price, the calculator shows a negative result, meaning you would need to bring cash to closing. This is common in an underwater or short sale, where the loan balance exceeds the home's market value.

No. It gives an estimate to help you plan, not financial, tax, or legal advice. Your actual numbers come from your lender's payoff statement and the title or escrow company's official settlement statement (the ALTA or Closing Disclosure), which may include prorations and fees this tool does not itemize.