Seller Net Sheet Calculator

Calculate seller proceeds after mortgage payoff, commission, transfer tax, and closing costs.
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Net Proceeds

$121,500.00

Seller Net Sheet

Sale Price$400,000.00
Mortgage Payoff−$250,000.00
Agent Commission−$20,000.00
Transfer Tax−$2,000.00
Repairs / Credits−$5,000.00
Other Fees−$1,500.00
Net Proceeds$121,500.00

Use the Seller Net Sheet Calculator above to calculate your results. Enter your values and see instant results — all calculations run in your browser.

Disclaimer: This calculator is for informational purposes only and does not constitute tax, financial, or legal advice. Results are estimates based on the information you provide and current rates. Always consult a qualified tax professional or financial advisor for advice specific to your situation.

How It Works

Our Seller Net Sheet Calculator helps you estimate the profit you'll make from selling your home, taking into account all the associated expenses. This is crucial for financial planning, especially with projected 2026 interest rates potentially impacting buyer affordability and thus sale prices.

The calculator subtracts your outstanding mortgage balance, real estate commission (typically 5-6% of sale price, split between agents), transfer taxes (e.g., $4.00 per $1,000 in some states), and other closing costs (e.g., title insurance, escrow fees, typically 1-3% of sale price) from your anticipated sale price.

Always get multiple quotes for closing costs from different providers to ensure you're getting the best rates. A common mistake is underestimating the impact of transfer taxes, which can vary significantly by state and county. Remember, these are estimates; your final net proceeds may differ.

Selling a Home in California (2026)

  1. 1 Input your estimated sale price ($850,000), outstanding mortgage balance ($300,000), and estimated real estate commission (5.5%). We'll use a California transfer tax rate of $1.10 per $1,000 (city and county combined, varies) and estimated closing costs of 2% of the sale price.
  2. 2 The calculator will perform the following calculations: Sale Price - Mortgage Payoff - Commission - Transfer Tax - Closing Costs. For this example: $850,000 - $300,000 - ($850,000 * 0.055) - ($850,000 / 1000 * $1.10) - ($850,000 * 0.02).
  3. 3 Your estimated net proceeds from the sale would be approximately $453,565.
  4. 4 This $453,565 represents the cash you could expect to receive at closing. This figure helps you plan for your next home purchase, investment, or other financial goals, providing a clear picture of your equity realization after all expenses are covered.

Source: CFPB — Owning a Home · Last updated: April 2026

Frequently Asked Questions

What does a seller pay at closing?
Sellers typically pay agent commissions (5-6%), transfer taxes (varies by state), title insurance for the buyer, prorated property taxes, any outstanding liens, and their mortgage payoff balance.
How much do sellers pay in closing costs?
Sellers pay 8-10% of the sale price in total costs: 5-6% in agent commissions and 2-4% in other closing costs including transfer taxes, title fees, and prorated taxes.
How do you calculate net proceeds from selling a house?
Net proceeds = sale price minus mortgage payoff, agent commissions, transfer taxes, title costs, prorated taxes, and any repair credits. A $400,000 sale with $250,000 mortgage balance typically nets $110,000-$130,000.

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