Seller net-proceeds calculator
What will you actually walk away with?
Before you list, it helps to see past the sale price to the number that matters: what lands in your pocket after costs and your mortgage payoff. Enter the price you expect, your payoff, and a few costs, and this gives you a planning estimate of your net proceeds. It does not estimate your home value and makes no market claim. The math runs entirely on your device.
What will I net at this price?
A planning estimate from the numbers you enter. It is not a valuation of your home and it makes no market claim. Start with the sale price you expect, and this shows what is left after costs and your mortgage payoff. The math runs on your device and nothing is sent anywhere unless you ask me to.
Commissions are negotiable and set by your listing agreement, not by law. There is no standard rate. The commission and closing-cost figures here are starting estimates you can change to match your own situation.
Estimated net proceeds
$405,000
After selling costs of about $45,000 and a mortgage payoff of $300,000.
Where the sale price goes
Sale price: $750,000
Agent commission (5%): -$37,500
Other closing costs (1%): -$7,500
Mortgage payoff: -$300,000
Estimated net proceeds: $405,000
Want a real number for your home, not an estimate? Call or text Jon at (623) 826-0888. He will walk your home, price it against what is actually selling nearby, and build you a line-by-line net sheet. You reach him, not a call center.
Buying your next home too?
Most sellers are buyers next. See what payment a price carries with the mortgage payment calculator, or find the range you can shop in with the affordability calculator. Most buyers also want to know the cash they need up front, which the cash to close calculator estimates. Or call Jon at (623) 826-0888 to plan the sale and the move together.
Questions sellers ask
- What are net proceeds?
- Net proceeds are what is left from your sale price after selling costs and paying off your remaining mortgage. This calculator subtracts agent commission, other closing costs, any credits you give the buyer, and repairs from the price, then subtracts your mortgage payoff.
- What if I owe more than my home is worth?
- If your mortgage payoff plus selling costs add up to more than your sale price, this calculator shows the net as a negative number, which means you would need to bring cash to closing to complete the sale. Sellers in that spot, sometimes called underwater or upside down, usually look at a few paths: bring the shortfall in cash, ask the lender about a short sale, use other savings, or stay put and keep paying down the loan balance. Which one fits depends on your loan, your timeline, and your goals. Call or text Jon at (623) 826-0888 and he will run your actual payoff and costs with you before you commit to anything.
- Is the commission rate fixed?
- No. Commissions are negotiable and set by your listing agreement, not by law. There is no standard or required rate. The figure here is a starting estimate you can change to match what you agree to.
- Does this tell me what my home is worth?
- No. It does not estimate your home value and makes no market claim. You enter the sale price you expect, and it shows the net from that figure. For a real valuation, ask Jon for a comparative market analysis on your actual home.
- How do I get an exact net sheet?
- Use the Get a real valuation button, or call or text Jon at (623) 826-0888. He will price your home against what is actually selling nearby and build you a line-by-line net sheet.
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Jon Hegreness · REALTOR / Associate Broker, Howe Realty · License BR540940000