Seller Net Proceeds Calculator

Estimate the check a seller takes home at closing, with every cost between the sale price and the net proceeds laid out.

The sale
$
$

Every lien, including HELOCs

Costs of sale
%

$27,500

%

Title, escrow, transfer taxes — often 1–3%

$

Credits toward the buyer's costs or a buydown

$

Inspection repairs or repair credits

$

HOA transfer, prorations, moving, staging

Estimated net proceeds

$215,000

43% of the $500,000 sale price

Where the sale price goes

  • Mortgage payoff$250,00050%
  • Commission$27,5005.5%
  • Closing costs$7,5001.5%
  • Concessions & repairs$00%
  • Other fees$00%
  • Net proceeds$215,00043%

Total costs of sale

$35,000

Costs as % of price

7%

Equity before costs

$250,000

How it works

The math behind the numbers

  • Net proceeds = sale price − mortgage payoff − commission − closing costs − concessions, repairs, and other fees.
  • Commission and closing costs are percentages of the sale price.
  • Capital gains taxes and prorated property taxes are not included — confirm with your title company or tax advisor.

These estimates are for educational purposes and aren't financial, lending, or tax advice. Actual rates, costs, and loan terms vary — confirm the numbers with a licensed lender, title company, or tax professional before making decisions.