Seller Net Sheet Calculator
Calculate seller proceeds after mortgage payoff, commission, transfer tax, and closing costs.
By Konstantin Iakovlev · Updated April 2026 · Source: CFPB — Owning a Home
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
Selling a home rarely nets you the full sale price, and this tool lays out what actually lands in your pocket once the costs of the sale come off the top. Sorting that figure out early supports clear planning, particularly as projected 2026 interest rates shape buyer affordability and, in turn, the prices homes command.
From your expected sale price, the tool deducts the balance still owed on your mortgage, the real estate commission that typically runs 5-6% of the price and is divided between the agents, transfer taxes that in some states land around $4.00 per $1,000, and the remaining closing costs such as title insurance and escrow fees, which commonly fall in the 1-3% range. What remains is your estimated net.
Gathering closing-cost quotes from more than one provider is how sellers avoid overpaying on rates that vary widely. Transfer taxes in particular catch people off guard because they swing sharply from one state and county to the next. Treat the output as a working estimate; the proceeds at the closing table can come in above or below it.
Selling a Home in California (2026)
- 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 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 Your estimated net proceeds from the sale would be approximately $453,565.
- 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?
How much do sellers pay in closing costs?
How do you calculate net proceeds from selling a house?
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