Home Sale Net Proceeds Calculator
Estimate your actual take-home after selling your home. Enter the sale price, remaining mortgage, commissions, closing costs, and repairs to see your net proceeds.
Home Sale Net Proceeds Calculator
Find out exactly how much money you'll take home after selling your house — accounting for all fees, costs, and your remaining mortgage.
How to Calculate Your Home Sale Net Proceeds
Your net proceeds are what you actually walk away with after selling your home. This is your sale price minus all costs: mortgage payoff, agent commissions, closing costs, repairs, and staging. Many sellers are surprised by how much these costs add up to — typically 8-10% of the sale price.
Common Seller Closing Costs
- Title insurance: 0.5-1% of sale price
- Transfer taxes: varies by state (0-2%)
- Attorney fees: $500-$1,500
- Prorated property taxes: varies
- HOA transfer fees: $200-$500 if applicable
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Frequently Asked Questions
How do I calculate net proceeds from a home sale?
Net proceeds = Sale price minus mortgage payoff, agent commissions (typically 5–6%), closing costs (1–3%), any repairs or staging costs, and transfer taxes. This calculator breaks down each cost line by line.
What are typical closing costs for a seller?
Sellers typically pay 1–3% of the sale price in closing costs, including title insurance, escrow fees, transfer taxes, and recording fees. Combined with agent commissions, total selling costs are usually 7–10% of the sale price.