Home Sale Net Proceeds Calculator

How the Home Sale Calculator Works

This calculator estimates your net proceeds — the amount of money you'll receive after all costs of selling are deducted from the sale price. It's the seller's equivalent of a "net sheet" that agents prepare before listing.

Typical Costs When Selling a Home

• Agent commission (5-6%) — traditionally split between buyer's and seller's agents. Since the 2024 NAR settlement, commission structures vary more. Negotiate.
• Closing costs (1-3%) — includes title insurance, transfer taxes, escrow fees, attorney fees (varies by state).
• Repairs & staging ($2,000-$15,000) — pre-listing repairs, professional cleaning, staging furniture. Even minor updates like fresh paint can increase your sale price.
• Mortgage payoff — the remaining balance on your loan, plus any prepayment penalties (rare on newer loans).

How to Maximize Your Net Proceeds

• Price it right — overpricing leads to longer days on market and eventual price cuts. A competitive price generates multiple offers.
• Negotiate commission — total commissions are negotiable. Some agents offer lower rates for repeat clients or higher-value properties.
• Minimize concessions — buyer credits and concessions come directly out of your proceeds.
• Time it well — spring and early summer typically see higher sale prices in most US markets.
• Focus repairs on ROI — kitchen, bathroom, and curb appeal updates typically return more than they cost.

Capital Gains Tax Note

If you've lived in the home for at least 2 of the last 5 years, you can exclude up to $250,000 in capital gains ($500,000 for married couples) from federal taxes. This calculator does not include tax estimates — consult a tax professional for your specific situation.