Seller Net Sheet Calculator

Estimate how much cash you'll walk away with after selling your home.

Your inputs

Sale price	$500,000
Mortgage payoff	$250,000
Agent commission	5 %
Seller closing costs	1.5 % of price
Transfer tax / stamp duty	0.4 %
Repairs and buyer credits	$5,000
Other (HOA, prorated tax, liens)	$0

Sale price

Mortgage payoff

Agent commission

Seller closing costs

% of price

Title, escrow, attorney, recording

Transfer tax / stamp duty

Repairs and buyer credits

Other (HOA, prorated tax, liens)

Estimated net proceeds

$210,500

Selling costs (excluding the loan) are $39,500, 7.9% of the price.

Sale price breakdown

Mortgage payoff50%: $250,000
Commission5%: $25,000
Closing costs2%: $7,500
Transfer tax0%: $2,000
Repairs & credits1%: $5,000
Your proceeds42%: $210,500

About the Seller Net Sheet Calculator

Your net proceeds are the sale price minus the mortgage payoff and selling costs: agent commission, closing costs, any transfer tax, repairs or credits to the buyer, and prorated property tax or HOA dues. Ask your lender for an exact payoff quote, which includes interest to the payoff date. Capital gains tax may also apply.

The formula

Net = sale price − payoff − commission − closing costs − transfer tax − credits − other

Worked example

Example: Estimated net proceeds = $219,730

Inputs: Sale price: $550,000; Mortgage payoff: $280,000; Agent commission: 6%; Seller closing costs: 1.7 % of price; Transfer tax / stamp duty: 0.44%; Repairs and buyer credits: $5,500; Other (HOA, prorated tax, liens): $0.
Formula: Net = sale price − payoff − commission − closing costs − transfer tax − credits − other
Result: Estimated net proceeds = $219,730

Questions people ask

Is the payoff the same as my balance?

No, it adds daily interest and fees to the closing date.

Do I pay tax on the profit?

Possibly; many countries exempt a main home within limits (US: $250,000 / $500,000 of gain).