Net Proceeds Calculator
See exactly what the seller walks away with after commissions, costs, and mortgage payoff.
How the Net Proceeds Waterfall Works
The net proceeds calculator starts with the sale price and subtracts every seller cost in order: agent commissions, transfer taxes, attorney and recording fees, payoff adjustments, and the remaining mortgage balance. The result is displayed as a waterfall chart where each deduction is a red bar and the final net proceeds amount is shown in green (or red if the seller is underwater).
- Sale Price ($385,000) minus Commission at 6% ($23,100)
- Minus seller closing costs: attorney ($500), recording ($100), transfer tax, payoff fee ($50)
- Minus adjustments: home warranty, repair credits, prorated taxes and HOA
- Minus mortgage payoff balance ($320,000) to arrive at net proceeds ($40,320)
Why Sellers Need This Number
Most sellers think of profit as sale price minus purchase price. The reality includes commissions, closing costs, and the mortgage balance. A seller who bought for $350,000 and sells for $385,000 might expect a $35,000 gain, but after 6% commission ($23,100), closing costs ($1,580), and a $320,000 mortgage payoff, the actual check is $40,320 -- and that is before capital gains tax.
- Know the exact check amount before listing the property
- Compare net proceeds at different sale prices to set the right asking price
- Factor in repair credits and seller concessions to see their impact on your bottom line
- Identify underwater scenarios where mortgage balance exceeds sale price minus costs
Sample Output
See what this feature calculates for you.
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