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Seller Net Proceeds Calculator
Show sellers what they'll actually walk away with before they sign the listing agreement. Enter the sale price, mortgage payoff, both commissions, closing costs, concessions, repairs, and prorated taxes to build a line-by-line seller net sheet at the kitchen table. Free and private: everything runs in your browser.
What the seller walks away with
Estimated net proceeds
$129,200.00
About 28.71% of the $450,000 sale price, after the $280,000.00 payoff and $40,800.00 in selling costs.
Equity before costs$170,000.00
Total selling costs$40,800.00
| Sale price | $450,000.00 |
|---|---|
| Mortgage payoff | −$280,000.00 |
| Listing agent commission 3% of the sale price | −$13,500.00 |
| Buyer agent commission 2.5% of the sale price | −$11,250.00 |
| Seller closing costs 1.5% of the sale price | −$6,750.00 |
| Seller concessions | −$5,000.00 |
| Other fees and repairs | −$2,500.00 |
| Prorated property taxes Owed to the buyer | −$1,800.00 |
| Estimated net proceeds | $129,200.00 |
This is an estimate, not a settlement statement. Actual proceeds depend on the lender's final payoff (including interest to the closing date), title, escrow, and transfer charges, local customs, and the final contract. The title or escrow company prepares the official numbers before closing.
How it works
How the seller net sheet math works
Sellers don't really care about the list price. They care about the check they get at closing. This calculator starts with the sale price and subtracts each cost the seller pays out of the sale, in the same order you'd walk through it on a net sheet: the loan payoff, both commissions, closing costs, concessions, repairs and other fees, and the property tax proration.
Commissions = sale price × (listing % + buyer agent %)
Closing costs = sale price × closing % (or a flat $ amount)
Selling costs = commissions + closing costs + concessions + other fees + prorated taxes
Net proceeds = sale price − mortgage payoff − selling costs
Closing costs = sale price × closing % (or a flat $ amount)
Selling costs = commissions + closing costs + concessions + other fees + prorated taxes
Net proceeds = sale price − mortgage payoff − selling costs
Example
A home sells for $450,000 with a $280,000 payoff, so the seller has $170,000 in equity. Commissions of 3% to the listing agent ($13,500) and 2.5% to the buyer's agent ($11,250), 1.5% in closing costs ($6,750), a $5,000 concession, $2,500 in repairs, and $1,800 in prorated taxes add up to $40,800. The seller's estimated net is $129,200, about 28.7% of the price.
Using it at a listing appointment
- Lead with the net, not the price. Ask for the seller's payoff before the appointment and show them what they keep.
- Compare list prices. Change the sale price to show the net at two or three price points, so pricing becomes a conversation about outcomes.
- Show the trade-offs. Adjust concessions, repairs, and buyer agent compensation to show how each choice moves their bottom line.
- Leave it behind. Use Print net sheet to print or save a PDF, then follow up with a formal net sheet from title or escrow.
Want to see what the listing pays you after your split and fees? Run the same price through the free real estate commission calculator, then see how it moves your year with the real estate goal calculator.
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FAQ
Questions, answered
How do you calculate a seller's net proceeds?
Start with the sale price and subtract everything the seller pays out of the sale: the mortgage payoff, the listing agent's commission, any buyer agent commission the seller agrees to pay, seller closing costs, seller concessions or credits to the buyer, repairs and other fees, and the seller's share of prorated property taxes. What's left is the estimated cash the seller walks away with at closing.
What closing costs does a seller usually pay?
It depends on the state and the contract, but seller closing costs often include the owner's title insurance policy, escrow or settlement fees, transfer or excise taxes, attorney fees, recording fees, and HOA transfer or document fees. Not counting commissions, they commonly land somewhere around 1% to 3% of the price. Ask a local title or escrow company for the typical charges in your market.
Does the seller still pay the buyer's agent commission?
Not automatically. Since the 2024 changes to commission practices, buyer agent compensation is negotiated and agreed in writing, and it isn't advertised on the MLS. A seller may still agree to pay some or all of it, or offer a credit the buyer can use toward it. Enter whatever the seller has agreed to, or 0 if the buyer is covering their own agent.
What are prorated property taxes on a seller net sheet?
Property taxes are split between buyer and seller based on the closing date. If taxes are paid in arrears, the seller usually credits the buyer for the days they owned the home that haven't been paid yet, which lowers the seller's net. If the seller prepaid taxes past the closing date, the buyer may owe the seller a credit instead; enter that as a negative number.
How should I use this with a seller at a listing appointment?
Run it with the seller's real payoff before you talk price, then show the net at two or three list prices so the conversation is about what they keep, not just the headline number. Adjust commissions, concessions, and repairs to show the trade-offs, then print or save the page as a leave-behind. Before listing, get a formal net sheet from the title or escrow company.