Net Proceeds Calculator

Selling a home costs more than most people expect — commission, closing costs, and your remaining mortgage all come out of the sale price before you see a dollar. Estimate your take-home below.

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Your Estimate
Sale price$450,000
Mortgage payoff− $280,000
Commission (6%)− $27,000
Closing costs (2%)− $9,000
Repairs & credits− $0
Estimated net proceeds$134,000

This is an estimate — a listing agent can build you an exact net sheet based on your local market.

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How net proceeds are calculated

Net proceeds are what's left from your sale price after paying off your mortgage and covering the costs of selling. The two largest costs are usually agent commission (typically 5–6% of the sale price, split between your listing agent and the buyer's agent) and closing costs (title insurance, escrow and recording fees, and any transfer taxes your state or county charges).

Every market and every sale is different — a real net sheet from a listing agent will account for your specific mortgage payoff, local transfer tax rates, HOA payoffs, and any repair credits you negotiate with a buyer. Use this calculator to get in the right ballpark before you list.

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