Seller Net Sheet Calculator
Calculate your estimated home sale proceeds with itemized seller closing costs, agent commissions, transfer taxes, and mortgage payoff. See exactly how much you will net from selling your house.
Calculate your estimated net proceeds from selling your home. Enter your sale price, mortgage balance, and costs to see exactly what you will walk away with.
Additional Costs
Estimated Net Proceeds
$191,003
Net Proceeds Breakdown
Your Home Equity vs Net Proceeds
Selling costs reduce your equity by $28,997 (5.8% of sale price)
Tips to Maximize Your Net Proceeds
- *Negotiate commission - Saving 1% on a $500,000 sale = $5,000 more in your pocket
- *Get a pre-listing inspection - Avoid surprise repair credits from buyer inspections
- *Price competitively from day one - Overpriced homes often sell for less after sitting on market
- *Minimize seller concessions - In a seller's market, you have leverage to resist concession requests
- *Compare title company fees - Shop around to save on settlement costs
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About This Calculator
A seller net sheet is the most important document for anyone selling a home - it reveals exactly how much money you will actually receive after all costs are deducted from your sale price. In 2026, the average home seller pays 8-10% of the sale price in fees and costs, meaning on a $500,000 home, you could pay $40,000-$50,000 in commissions, taxes, and closing costs. This Seller Net Sheet Calculator provides a complete, itemized breakdown of every deduction - from agent commissions to transfer taxes to mortgage payoff - so you know precisely what you'll walk away with.
Whether you're wondering "how much will I net from selling my house?" or planning your next home purchase based on your equity, this calculator eliminates the guesswork. Enter your expected sale price, remaining mortgage balance, and location to see your estimated net proceeds instantly. Then use the detailed breakdown to identify negotiable fees and maximize your take-home amount.
How to Use the Seller Net Sheet Calculator
- 1Enter your expected or listed sale price.
- 2Input your remaining mortgage balance (check your latest statement or call your lender for the payoff amount).
- 3Select your state to automatically calculate transfer taxes.
- 4Adjust agent commission percentages based on your listing agreement.
- 5Add any seller concessions you have agreed to provide the buyer.
- 6Include repair credits, outstanding liens, or other deductions if applicable.
- 7Review the itemized breakdown showing all costs and your net proceeds.
- 8Use the results to negotiate costs or compare different sale price scenarios.
- 9Visit our [Home Value Estimator Calculator](/finance/home-value-estimator-calculator) if you need help determining your sale price.
Formula
Net Proceeds = Sale Price - Mortgage Payoff - Agent Commissions - Transfer Taxes - Title/Closing Fees - Seller Concessions - Repairs/CreditsYour seller net proceeds are calculated by starting with the sale price and subtracting all costs: **Mortgage payoff** (principal balance plus accrued interest and fees), **Agent commissions** (typically 5-6% split between listing and buyer's agents), **Transfer taxes** (state/local taxes ranging 0-2.6%), **Title and closing fees** (title insurance, settlement fee, attorney if required, recording fees - typically $1,500-4,000), **Seller concessions** (any contributions toward buyer's costs), and **Repairs/credits** (negotiated from inspection). The remaining amount is your net proceeds - the actual cash you'll receive. For sellers with existing mortgages, this calculation determines whether you'll have positive proceeds or need to bring money to closing.
What is a Seller Net Sheet and Why It Matters
Understanding the Seller Net Sheet:
A seller net sheet (also called a seller's estimated proceeds statement or settlement sheet) is a detailed breakdown of all the costs you'll pay when selling your home, subtracted from the sale price to show your net proceeds - the actual money you'll receive.
Why Every Seller Needs a Net Sheet:
-
Know Your True Equity: Your home equity (market value minus mortgage) is NOT what you'll receive. A net sheet shows your real take-home amount.
-
Plan Your Next Move: Whether buying a new home, renting, or investing, you need to know exactly how much cash you'll have.
-
Compare Sale Scenarios: See how different sale prices, commission rates, or concessions affect your bottom line.
-
Negotiate Effectively: Understanding your costs helps you negotiate smarter on agent commissions, repairs, and buyer requests.
-
Avoid Surprises: Many sellers are shocked at closing when they see all the deductions. A net sheet prepares you in advance.
The Math Behind Net Proceeds:
| Component | Example ($500,000 Home) |
|---|---|
| Sale Price | $500,000 |
| - Mortgage Payoff | -$280,000 |
| - Agent Commissions (5.5%) | -$27,500 |
| - Transfer Tax (avg 1%) | -$5,000 |
| - Title & Closing Fees | -$2,500 |
| - Prorated Taxes & HOA | -$1,500 |
| - Repairs/Concessions | -$5,000 |
| = Net Proceeds | $178,500 |
In this example, selling a $500,000 home with $220,000 in equity results in only $178,500 net - a difference of $41,500 in costs.
2026 Seller Costs: Complete Breakdown
What Do Home Sellers Pay in 2026?
Total seller costs typically range from 8-10% of the sale price. Here's where that money goes:
Agent Commissions (5-6% of sale price)
The largest seller expense. Following the 2024 NAR settlement, commission structures have evolved:
| Commission Model | Total on $500K Home | Trend in 2026 |
|---|---|---|
| Traditional 6% (3%+3%) | $30,000 | Declining |
| Negotiated 5% (2.5%+2.5%) | $25,000 | Most Common |
| Discount Listing (1%+2.5%) | $17,500 | Growing |
| Flat Fee + Buyer Agent | ~$12,500-15,000 | Growing |
| FSBO + Buyer Agent | ~$12,500 | Stable |
2026 Commission Reality: The average total commission has dropped to approximately 5.3% nationwide, with significant regional variation. In competitive markets, sellers increasingly negotiate 4.5-5% total.
Transfer Taxes (0-2.6% by state)
State and local governments charge transfer taxes (deed tax, documentary stamps) when property changes hands:
| Tax Level | Range | Examples |
|---|---|---|
| No Transfer Tax | 0% | TX, AK, ID, MT, ND, OR, WY |
| Low | 0.1-0.5% | CA (0.11%+local), AL, AZ, GA |
| Medium | 0.5-1% | FL (0.7%), MD, NC, VA |
| High | 1-2%+ | PA (2%), DE (2.6%), WA (1.78%) |
Title & Closing Fees ($1,500-4,000)
| Fee | Typical Cost | Notes |
|---|---|---|
| Owner's Title Insurance | $1,000-2,500 | Seller pays in most states |
| Settlement/Closing Fee | $300-700 | Title company charge |
| Attorney Fee | $500-1,500 | Required in some states |
| Wire Transfer Fee | $25-50 | Sending your proceeds |
| Recording Fees | $50-200 | County charge |
Other Seller Costs:
| Cost | Amount | When Applicable |
|---|---|---|
| Prorated Property Tax | Varies | Days owned in current period |
| HOA Transfer Fee | $200-500 | If you have an HOA |
| Home Warranty | $400-600 | If offered to buyer |
| Repair Credits | Negotiated | From buyer inspection |
| Seller Concessions | Up to 3-6% | Buyer closing cost help |
Agent Commission Trends and Negotiation in 2026
The New Commission Landscape:
The 2024 NAR settlement fundamentally changed how agent commissions work. Key changes affecting 2026 sellers:
-
Buyer Agent Commission is Negotiable: Sellers are no longer required to offer buyer agent compensation through the MLS.
-
Commission Transparency: Buyers now sign representation agreements before touring homes, making them aware of their agent's fee.
-
Increased Competition: More discount and flat-fee brokerages have emerged, giving sellers more options.
2026 Commission Benchmarks:
| Market Type | Listing Agent | Buyer Agent Offer | Total |
|---|---|---|---|
| Seller's Market | 2-2.5% | 2-2.5% | 4-5% |
| Balanced Market | 2.5-3% | 2.5-3% | 5-6% |
| Buyer's Market | 2.5-3% | 2.5-3% | 5-6% |
| Luxury ($1M+) | 1.5-2.5% | 2-2.5% | 3.5-5% |
How to Negotiate Agent Commission:
1. Interview Multiple Agents Get proposals from 3-5 listing agents. Ask each:
- "What is your commission, and is it negotiable?"
- "What marketing services are included?"
- "How do your fees compare to competitors?"
2. Leverage Your Property's Appeal
- Turnkey homes in hot areas = easier sale = negotiate lower commission
- Agents may reduce fees for higher-priced homes
- Multiple agents competing for your listing gives you leverage
3. Consider Commission Structures
| Structure | How It Works | Best For |
|---|---|---|
| Percentage | Traditional % of sale price | Most sales |
| Flat Fee | Fixed fee (e.g., $5,000) | Quick sales, hot markets |
| Tiered | Lower % up to asking, higher above | Motivating top dollar |
| Discount Broker | 1-1.5% listing + buyer agent | Cost-conscious sellers |
4. Negotiate Buyer Agent Compensation
- In a seller's market, consider offering lower buyer agent commission (2%)
- In a buyer's market, competitive buyer agent commission (2.5-3%) attracts more showings
- Some buyers may cover their own agent's fee
Commission Savings Example ($500,000 home):
| Scenario | Total Commission | Your Savings vs 6% |
|---|---|---|
| 6% (3%+3%) | $30,000 | $0 |
| 5% (2.5%+2.5%) | $25,000 | $5,000 |
| 4.5% (2%+2.5%) | $22,500 | $7,500 |
| Flat Fee + 2.5% | ~$17,500 | $12,500 |
Transfer Tax Rates by State (2026)
State-by-State Transfer Tax Guide:
Transfer taxes can significantly impact your net proceeds. Here's what sellers pay in each state:
States with NO Transfer Tax:
- Alaska
- Idaho
- Indiana
- Kansas
- Louisiana
- Mississippi
- Missouri
- Montana
- New Mexico
- North Dakota
- Oregon
- South Dakota (minimal)
- Texas
- Utah
- Wyoming
States with LOW Transfer Tax (Under 0.5%):
| State | Rate | On $500K Sale |
|---|---|---|
| Alabama | 0.10% | $500 |
| Arizona | 0.20% | $1,000 |
| California | 0.11% + local | $550+ |
| Colorado | 0.01% | $50 |
| Georgia | 0.10% | $500 |
| Hawaii | 0.10-0.25% | $500-1,250 |
| Illinois | 0.10% + local | $500+ |
| Kentucky | 0.10% | $500 |
| Ohio | 0.10% | $500 |
| Oklahoma | 0.075% | $375 |
States with MEDIUM Transfer Tax (0.5-1%):
| State | Rate | On $500K Sale |
|---|---|---|
| Florida | 0.70% | $3,500 |
| Maryland | 0.50% + local | $2,500+ |
| North Carolina | 0.20% | $1,000 |
| South Carolina | 0.185% | $925 |
| Virginia | 0.25% | $1,250 |
| Wisconsin | 0.30% | $1,500 |
States with HIGH Transfer Tax (Over 1%):
| State | Rate | On $500K Sale |
|---|---|---|
| Connecticut | 0.75-1.25% | $3,750-6,250 |
| Delaware | 2.0-2.6% | $10,000-13,000 |
| Washington DC | 1.1-1.45% | $5,500-7,250 |
| Maine | 0.44% | $2,200 |
| Michigan | 0.75% | $3,750 |
| Minnesota | 0.33% | $1,650 |
| New Hampshire | 1.50% | $7,500 |
| New Jersey | 0.4-1.21% | $2,000-6,050 |
| New York | 0.4% + mansion | $2,000+ |
| Pennsylvania | 2.0% + local | $10,000+ |
| Vermont | 1.25% | $6,250 |
| Washington | 1.78% | $8,900 |
Important Notes:
- Many states split transfer tax between buyer and seller
- Local/county taxes may add to state rates
- Mansion taxes apply to expensive properties in some states
- First-time buyers or veterans may qualify for exemptions
Use our Closing Cost Calculator for a full breakdown of both buyer and seller closing costs.
How to Maximize Your Net Proceeds
Strategies to Keep More Money from Your Home Sale:
1. Price Your Home Correctly From Day One
Overpricing leads to longer market time and eventual price reductions that can cost you more than listing competitively:
| Days on Market | Typical Outcome |
|---|---|
| Under 14 days | Sells at or above asking |
| 14-30 days | Sells within 3% of asking |
| 30-60 days | Sells at 5-7% below original price |
| 60+ days | Stigmatized listing, deeper discounts |
Use our Home Value Estimator Calculator to research your home's market value.
2. Negotiate Agent Commissions (Save $5,000-15,000)
- Interview multiple agents and negotiate
- Consider discount brokerages for straightforward sales
- Offer tiered commission to incentivize higher sale price
- In seller's markets, agents compete harder for listings
3. Minimize Repair Credits
Pre-listing strategies to avoid costly buyer demands:
- Get a pre-listing inspection ($300-500) to identify issues
- Make strategic repairs before listing
- Sell "as-is" in hot markets with appropriate pricing
- Offer home warranty instead of major repairs
4. Time Your Sale Strategically
| Season | Advantage | Consideration |
|---|---|---|
| Spring | Highest prices, most buyers | Most competition |
| Summer | Families relocating | Heat in some markets |
| Fall | Motivated buyers | Fewer buyers |
| Winter | Least competition | Lowest volume |
5. Reduce Seller Concessions
Seller concessions (paying buyer's closing costs) typically range 0-3%:
- In seller's markets, resist concession requests
- Price slightly lower instead of giving concessions (same net, easier sale)
- Counter with credit limit rather than full request
6. Minimize Title and Closing Costs
- Get quotes from multiple title companies
- Ask your agent to negotiate settlement fees
- Some fees are negotiable with the buyer
7. Consider Tax Implications
Understanding capital gains can help you time your sale:
- Up to $250K ($500K married) in gains is tax-free on primary residence
- Must have lived there 2 of last 5 years
- Consult our Capital Gains Tax Calculator for details
Net Proceeds Comparison - Same $500K Home:
| Scenario | Total Costs | Net Proceeds |
|---|---|---|
| Standard (6%, avg repairs, concessions) | $52,000 | $168,000 |
| Optimized (5%, minimal repairs, no concessions) | $37,500 | $182,500 |
| Difference | $14,500 | +$14,500 |
Understanding Your Mortgage Payoff Amount
Mortgage Payoff vs. Remaining Balance:
Your mortgage payoff amount is typically NOT the same as your remaining balance shown on your statement. Here's why:
What's Included in Payoff:
| Component | Description |
|---|---|
| Principal Balance | What you still owe on the loan |
| Accrued Interest | Interest since last payment to payoff date |
| Payoff Fee | Some lenders charge $0-50 |
| Late Fees | If any payments were late |
| Prepayment Penalty | Rare, but check your loan terms |
Example Payoff Calculation:
| Item | Amount |
|---|---|
| Principal Balance | $280,000.00 |
| + Accrued Interest (15 days @ 6.5%) | $749.32 |
| + Payoff Processing Fee | $35.00 |
| = Total Payoff | $280,784.32 |
How to Get Your Exact Payoff:
- Request a Payoff Statement: Call your lender or check online for a formal payoff quote
- Request a Specific Date: Payoffs are date-specific; get one valid through your closing date
- Account for Per Diem: If closing moves, interest accrues daily (per diem)
Per Diem Interest Examples:
| Loan Balance | Interest Rate | Daily Interest |
|---|---|---|
| $200,000 | 6.0% | $32.88 |
| $300,000 | 6.5% | $53.42 |
| $400,000 | 7.0% | $76.71 |
Important Payoff Considerations:
- Second Mortgages/HELOCs: Don't forget to pay off any second liens
- Solar Liens: Leased solar panels may have liens to satisfy
- Property Tax Liens: Any delinquent taxes must be paid
- HOA Liens: Unpaid HOA dues become liens
What If You're Underwater?
If your mortgage payoff exceeds your expected sale price:
- Bring cash to closing to cover the shortfall
- Negotiate a short sale with your lender
- Explore loan modification options
- Consider waiting for market appreciation
Use our Mortgage Calculator to understand your current loan details.
Seller Concessions: What They Cost You
Understanding Seller Concessions:
Seller concessions are contributions you make toward the buyer's closing costs. While they can help close a deal, they directly reduce your net proceeds.
Common Types of Seller Concessions:
| Concession Type | Typical Amount | Impact |
|---|---|---|
| Closing Cost Credit | $5,000-15,000 | Direct reduction in proceeds |
| Rate Buydown | 1-3 points | Can equal 1-3% of loan amount |
| Repair Credits | Varies | Instead of making repairs |
| Home Warranty | $400-600 | Minor cost, builds confidence |
| HOA Dues Prepayment | 1-6 months | Relatively small |
Loan Program Concession Limits:
Lenders cap how much sellers can contribute:
| Loan Type | Down Payment | Max Concession |
|---|---|---|
| Conventional | Less than 10% | 3% of sale price |
| Conventional | 10-25% | 6% of sale price |
| Conventional | Over 25% | 9% of sale price |
| FHA | Any | 6% of sale price |
| VA | Any | 4% of sale price |
| USDA | Any | 6% of sale price |
When to Offer Concessions:
Good Reasons:
- Buyer market - homes sitting on market
- Buyer needs help qualifying for the loan
- Property has known issues
- You need a quick sale
- Competing against other listings
When to Resist:
- Seller's market with multiple offers
- Property is priced competitively
- Buyer already has strong finances
- You can't afford the reduction
The Hidden Cost of Concessions:
On a $450,000 sale with $15,000 in concessions:
- Sale Price: $450,000
- Your Concession: -$15,000
- Effective Sale Price: $435,000
But you still pay commission on $450,000:
- Commission (5%): $22,500
- Transfer Tax (0.7%): $3,150
- Other Costs: ~$3,000
Net with $15K concession: $406,350 vs. Net if priced at $435K with no concession: $405,825
Sometimes concessions make sense; sometimes pricing lower achieves the same result with less hassle.
Timing Your Home Sale for Maximum Proceeds
Seasonal Market Patterns:
The time of year you sell significantly impacts both sale price and time on market:
Spring (March-May) - Peak Selling Season
| Pros | Cons |
|---|---|
| Highest prices | Most competition from other sellers |
| Most active buyers | Bidding wars less common than pre-2022 |
| Best weather for showings | Buyers are pickier with more choices |
| Families want summer moves |
Average price premium: 2-5% above annual average
Summer (June-August)
| Pros | Cons |
|---|---|
| Families relocating | Heat affects showings in some regions |
| Strong buyer pool | Summer vacations reduce traffic |
| Good listing photos | Price competition from spring holdovers |
Average price premium: 1-3% above annual average
Fall (September-November)
| Pros | Cons |
|---|---|
| Serious, motivated buyers | Fewer buyers in the market |
| Less competition | School has started (families settled) |
| Corporate relocations | Holiday prep distracts buyers |
Average price: Near annual average
Winter (December-February)
| Pros | Cons |
|---|---|
| Least competition | Fewest buyers |
| Very motivated buyers | Holiday distractions |
| Corporate relocations | Weather challenges |
| Desperate sellers may have sold | Lower prices typical |
Average price discount: 2-5% below annual average
2026 Market Considerations:
- Interest rates affect buyer qualification
- Local employment and economic conditions matter most
- Inventory levels in your specific area
- Recent comparable sales trend
Strategic Timing Tips:
- List Thursday/Friday: Gets maximum weekend showings
- Spring Break Timing: List 2-3 weeks before for spring market
- Avoid Holiday Weeks: December 15 - January 3 is typically slowest
- School Calendar: Family buyers want to close before school starts
- Rate Announcements: Fed decisions can shift buyer activity
Your Timeline Factors:
- When do you need to move?
- What's your mortgage situation?
- How's your local market?
- Do you have flexibility?
Consider using our Rent vs Buy Calculator if you're deciding whether to buy your next home or rent.
FSBO vs. Agent: Impact on Net Proceeds
For Sale By Owner (FSBO) Analysis:
FSBO can save commission - but does it actually increase your net proceeds?
The Commission Savings Math:
| Scenario | Agent Commission | FSBO Savings |
|---|---|---|
| $400K sale, 5.5% | $22,000 | $22,000 potential |
| $500K sale, 5.5% | $27,500 | $27,500 potential |
| $600K sale, 5.5% | $33,000 | $33,000 potential |
But wait - most FSBOs still offer buyer agent commission (2-3%) to attract buyer agents:
| Scenario | FSBO + Buyer Agent (2.5%) | Actual Savings |
|---|---|---|
| $400K sale | $10,000 | $12,000 |
| $500K sale | $12,500 | $15,000 |
| $600K sale | $15,000 | $18,000 |
FSBO Reality Check:
National Association of Realtors 2024 data shows:
- FSBO median sale price: $310,000
- Agent-assisted median: $405,000
That's a 31% price difference - though this includes factors like:
- Different property types being sold FSBO
- Seller experience levels
- Market conditions
When FSBO Makes Sense:
| Good Fit | Poor Fit |
|---|---|
| You know your buyer (friend, neighbor) | First-time seller |
| Hot seller's market | Buyer's market |
| You have real estate experience | Complex property |
| Simple, desirable property | Need maximum exposure |
| Plenty of time and energy | Limited time |
| Comfortable with negotiation | Conflict-averse |
What FSBO Sellers Must Handle:
- Pricing: Market analysis, comparative research
- Marketing: Photography, listings, advertising
- Showings: Scheduling, conducting, security
- Negotiations: Offers, counteroffers, multiple bids
- Contracts: Legal documents, contingencies
- Disclosures: Legal requirements by state
- Inspections: Coordinating, negotiating repairs
- Closing: Title, escrow, final walkthrough
Hybrid Options:
| Service | Cost | What You Get |
|---|---|---|
| Flat Fee MLS | $300-500 | MLS listing only |
| Limited Service | $1,000-3,000 | MLS + some support |
| Discount Broker | 1-2% | Full service at discount |
| Traditional | 2.5-3% listing | Full service |
The Bottom Line:
- FSBO works best in hot markets with buyer interest
- Commission savings must exceed time/effort cost
- Most FSBOs eventually hire an agent
- Hybrid options offer middle ground
Calculating Capital Gains on Your Home Sale
Understanding Home Sale Taxes:
When you sell your primary residence, you may owe capital gains tax on your profit. Here's what sellers need to know:
The Primary Residence Exclusion:
Most homeowners pay NO capital gains tax due to the generous exclusion:
| Filing Status | Exclusion Amount |
|---|---|
| Single | Up to $250,000 |
| Married Filing Jointly | Up to $500,000 |
Qualifying for the Exclusion:
You must meet BOTH tests:
- Ownership Test: Owned the home for at least 2 years in the 5-year period before sale
- Use Test: Lived in it as your primary residence for at least 2 years in the 5-year period
The 2 years don't have to be consecutive.
Calculating Your Gain:
| Component | Amount |
|---|---|
| Sale Price | $600,000 |
| - Original Purchase Price | -$350,000 |
| - Major Improvements | -$50,000 |
| - Selling Costs | -$45,000 |
| = Capital Gain | $155,000 |
In this example, a single filer pays $0 tax ($155K gain < $250K exclusion).
What Counts as "Major Improvements":
Improvements that add to your cost basis (reduce taxable gain):
- Room additions
- New roof or HVAC
- Kitchen/bathroom remodel
- Finished basement
- Landscaping (permanent)
- New driveway
- Pool installation
NOT deductible:
- Regular maintenance
- Repairs
- Painting
- Cleaning
When You Might Owe Taxes:
- Gain exceeds exclusion: $700K gain - $500K exclusion = $200K taxable
- Investment property: Full gain is taxable (no exclusion)
- Didn't meet ownership/use tests: Partial exclusion may apply
- Rental conversion: Complex rules apply
2026 Capital Gains Tax Rates:
| Income Level (Single) | Long-Term Rate |
|---|---|
| Up to ~$47,000 | 0% |
| $47,000 - ~$518,000 | 15% |
| Over ~$518,000 | 20% |
Plus potential 3.8% Net Investment Income Tax for high earners.
Tax Planning Strategies:
- Keep records of all home improvements
- Time your sale to maximize exclusion
- Consider 1031 exchange for investment properties
- Consult a tax professional for complex situations
Use our Capital Gains Tax Calculator to estimate your potential tax liability.
Pro Tips
- 💡Request a formal mortgage payoff quote before listing - your payoff amount differs from your current balance.
- 💡Interview at least 3 listing agents and negotiate commission - saving 1% on a $500K sale is $5,000.
- 💡Get a pre-listing home inspection to identify issues before buyers do, giving you control over repairs.
- 💡Price competitively from day one - overpriced homes sell for less than well-priced homes after sitting on market.
- 💡Know your state transfer tax rate - it can be 0% to 2.6% of your sale price.
- 💡Resist unnecessary seller concessions in a sellers market - every dollar in concessions reduces your proceeds.
- 💡Keep records of all home improvements - they reduce your taxable gain when selling.
- 💡Time your sale strategically - spring typically yields 2-5% higher prices than winter.
- 💡Consider the full cost of FSBO including your time and potential for lower sale price.
- 💡Get multiple title company quotes - settlement fees can vary by hundreds of dollars.
- 💡Review your listing agreement terms carefully before signing - understand cancellation policies.
- 💡Update your net sheet as negotiations progress to know your real bottom line.
Frequently Asked Questions
Your net proceeds depend on several factors: sale price, remaining mortgage balance, agent commissions (typically 5-6%), transfer taxes (0-2.6% by state), and closing costs ($2,000-4,000). On average, sellers receive 90-92% of the sale price minus their mortgage payoff. For example, on a $500,000 sale with a $300,000 mortgage, expect roughly $155,000-$170,000 in net proceeds after all costs. Use this calculator with your specific numbers for an accurate estimate.
