Net Proceeds Calculator
Start with the sale price, subtract every seller cost, and see exactly what the seller walks away with — visualized as a waterfall chart.
Try It: See Your Net Proceeds
Adjust the sale price and commission rate to see how net proceeds change in real time.
Sample data: $320,000 mortgage payoff · $1,580 seller closing costs. Your actual numbers will vary.
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).
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Sale Price ($385,000) minus Commission at 6% ($23,100)
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Minus seller closing costs: attorney ($500), recording ($100), transfer tax, payoff fee ($50)
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Minus adjustments: home warranty, repair credits, prorated taxes and HOA
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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.
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Know the exact check amount before listing the property
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Compare net proceeds at different sale prices to set the right asking price
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Factor in repair credits and seller concessions to see their impact on your bottom line
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Identify underwater scenarios where mortgage balance exceeds sale price minus costs
Explore More Features
See everything Closing Cost Estimator has to offer.
Cost Breakdown
See 25+ line items organized by category for both buyers and sellers.
Learn more →State-Specific Estimates
Auto-apply transfer tax rates for all 50 states plus DC with full override support.
Learn more →Cash to Close Calculator
See the total cash needed at closing: down payment + buyer costs - earnest money.
Learn more →What-If Scenario Comparison
Compare saved estimates against what-if scenarios to see how changes affect costs.
Learn more →Closing Fees vs Prepaids
Separate true closing friction from prepaid escrow deposits to see where your cash goes.
Learn more →Buyer & Seller Summary
See both sides of the transaction on one screen with every line item, category totals, and a combined grand total.
Learn more →AI-Powered Prompts
Four ready-to-use prompts pre-filled with your closing cost data for AI-powered analysis.
Learn more →Email Templates
Three pre-written emails for your agent, lender, and title company -- pre-filled with your numbers.
Learn more →AI Contract Review Pipeline
Analyze closing disclosures, loan estimates, and settlement statements with a 5-step AI pipeline: plain English, risks, obligations, negotiation playbook, and executive brief.
Learn more →See Your Exact Net Proceeds
Sale price minus commissions, closing costs, and mortgage payoff — visualized as a waterfall so you know exactly what the seller keeps.
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