Home Sale Net Proceeds Calculator
Estimate the cash you’ll walk away with after selling, sale price minus your mortgage payoff, agent commission, closing costs, repairs, and concessions. Calculates privately in your browser.
Net proceeds (cash to you)
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Show the math
Your net is the sale price minus the loan you repay and every selling cost:
net = sale − payoff − commission − closing − repairs − other
This estimates cash at closing, not your taxable gain, capital-gains rules and any prorated property taxes are separate. Confirm figures with your settlement statement. All math runs locally in your browser.
What this does
A home sale net proceeds calculator estimates the cash you walk away with after selling, sale price minus your mortgage payoff, agent commission, closing costs, repairs, and concessions.
How it works
Start with the sale price, subtract the loan you must repay, then subtract every selling cost. What remains is your cash at closing.
How to use it
- Enter the expected sale price.
- Enter your mortgage payoff.
- Add commission and closing costs.
- Read your estimated net proceeds.
Understanding your result
Net proceeds are cash at closing, not your taxable gain. If the payoff and costs exceed the sale price, the tool shows the shortfall you would bring to closing. Taxable gain depends on your cost basis and exclusions, consult a tax professional.
Example
A $400,000 sale with a $250,000 payoff and 6% selling costs nets roughly $126,000.
Last updated .
Frequently asked questions
How are net proceeds calculated?
Start with the sale price, subtract the loan you must repay, then subtract every selling cost, commission, closing costs, repairs, and concessions. What remains is your cash at closing.
How much is the agent commission?
Commissions are not set by law; they are negotiated with your agent and vary by market. Enter the percentage in your listing agreement, plus any buyer-agent compensation you agree to pay.
Is this my taxable profit?
No, net proceeds are cash at closing, not your capital gain. Taxable gain depends on your cost basis and exclusions; consult a tax professional.
Do you store my numbers?
No. All math happens locally in your browser.
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