Does this include taxes and HOA?

No. Add prorated taxes, HOA, and transfer taxes to closing costs for accuracy.

How accurate is the commission?

It assumes a flat %; adjust to match your listing agreement (tiers/minimums may apply).

Should I include potential repairs?

Yes—add anticipated concessions or repairs to avoid overestimating net.

Does this handle capital gains tax?

No. This is a net-at-closing estimate. Consult a tax pro for capital gains.

What if I have multiple mortgages or liens?

Add additional payoffs into the closing costs or adjust the mortgage balance accordingly.

finance calculator

Seller Net Proceeds Calculator

Estimate net proceeds after mortgage payoff, commission, closing costs, and repairs.

Results

Commission: $27,000 USD
Net proceeds: $118,000 USD

How to use this calculator

Enter your sale price and remaining mortgage balance.
Add commission %, closing costs, and any repairs/concessions.
See estimated net proceeds after paying off the mortgage and selling costs.

Inputs explained

Sale price: Expected contract sale price.
Remaining mortgage balance: Outstanding principal to be paid off at closing.
Commission %: Total commission percentage to agents/brokers.
Closing costs: Estimated seller-side closing costs (title, escrow, taxes, fees).
Repairs/concessions: Credits or repairs you expect to give the buyer.

How it works

Commission = sale price × commission %.

Net = sale price − mortgage payoff − commission − closing costs − repairs.

Formula

Net = Price − Mortgage − Commission − Closing − Repairs

When to use it

Estimating take-home from a sale after mortgage payoff and selling costs.
Comparing offers with different commission or concession terms.
Planning whether to list now or wait based on expected equity.

Tips & cautions

Add prorated taxes, HOA, and transfer taxes to closing costs for accuracy.
If unsure on commissions or fees, use conservative/high estimates.
Update numbers after getting a net sheet from your title/escrow company.
Does not model capital gains taxes or repairs discovered during inspection.
Commission structures and closing costs vary by market; this is a simplified estimate.

Worked examples

$450k sale, $300k mortgage, 6% commission, $5k closing

Net ≈ $117k

$600k sale, $250k mortgage, 5% commission, $10k closing, $5k repairs

Net ≈ $305k

Deep dive

Use this seller net proceeds calculator to estimate what you’ll keep after mortgage payoff, commission, closing costs, and repairs. Enter sale price, payoff, commission, closing costs, and concessions to see your estimated net.

It’s a quick way to compare offers and commission structures before listing. For a precise net, get a detailed net sheet from your title or escrow provider.

FAQs

Does this include taxes and HOA?: No. Add prorated taxes, HOA, and transfer taxes to closing costs for accuracy.
How accurate is the commission?: It assumes a flat %; adjust to match your listing agreement (tiers/minimums may apply).
Should I include potential repairs?: Yes—add anticipated concessions or repairs to avoid overestimating net.
Does this handle capital gains tax?: No. This is a net-at-closing estimate. Consult a tax pro for capital gains.
What if I have multiple mortgages or liens?: Add additional payoffs into the closing costs or adjust the mortgage balance accordingly.

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