Thinking about selling your home? Use this free Home Seller Net Proceeds Calculator to estimate exactly how much money you’ll keep after all costs — including real estate agent commissions, buyer agent fees, closing costs, repairs, mortgage payoff, and more.
Simply enter your expected sale price and estimated costs below to see your net proceeds and compare three different selling price scenarios side by side. Whether you’re a first-time seller, FSBO, or just exploring your options, this tool gives you the clarity you need before making a decision.
🏠 Home Seller Net Proceeds Calculator
📊 Compare 3 Selling Prices
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Frequently Asked Questions
How do I calculate my net proceeds from selling a house?
To calculate net proceeds, start with your expected sale price, then subtract all selling costs: agent commissions, buyer agent compensation, seller concessions, repairs, closing costs, property tax prorations, HOA fees, and your remaining mortgage balance. The result is your estimated net proceeds.
What costs are deducted when selling a home?
Common deductions include real estate agent commissions, buyer agent compensation, seller concessions (contributions toward buyer closing costs), repairs and improvements, title and escrow fees, transfer taxes, property tax prorations, and HOA fees. This calculator estimates all these costs for you.
Does my mortgage get paid off when I sell my house?
Yes. At closing, your remaining mortgage balance is paid off directly from the sale proceeds before you receive your net proceeds. This calculator deducts your mortgage payoff amount to show you what you actually keep.
How much do sellers pay in closing costs?
Sellers typically pay between 6% and 10% of the sale price in combined costs, including agent commissions, buyer agent fees, title insurance, escrow fees, transfer taxes, and prorated taxes. The exact amount varies by location and negotiation. Use this calculator to estimate your specific situation.
Do sellers pay the buyer’s agent?
Historically, sellers have paid both the listing agent and buyer agent commissions as part of the total real estate commission. While this is negotiable, it remains common practice. This calculator allows you to set both commission rates separately.
How much money do I keep if I sell my house for $500,000?
The amount you keep depends on your mortgage balance and selling costs. For example, with a $280,000 mortgage and 5% total commissions, plus typical closing costs, you might keep approximately $180,000–$200,000. Try our calculator above for your specific numbers.
Does this calculator include capital gains tax?
No. This calculator estimates transaction-related proceeds and does not calculate federal or state income taxes or capital gains taxes. Consult a qualified tax professional for advice specific to your situation.
Is this calculator an estimate or an exact amount?
This calculator provides an estimate for informational purposes only. Actual closing costs, commissions, taxes, fees, and mortgage payoff amounts may vary. Always consult with a qualified real estate, tax, or financial professional for advice specific to your transaction.