Home Sale Net Proceeds Calculator
Free home sale net proceeds calculator. Enter your sale price, mortgage payoff, agent commission, and closing costs to see exactly how much cash you'll pocket when you sell your home.
After paying off your mortgage and $34,500.00 in selling costs, you’d walk away with about $165,500.00.
What you actually pocket when you sell
Your sale price isn’t your profit. From it come your mortgage payoff, the agent commission(commonly 5–6%, split between the buyer’s and seller’s agents), and closing costslike title, escrow, and transfer taxes — plus any repairs or buyer concessions you agree to. What’s left is your net proceeds.
How much are seller closing costs?
Beyond commission, sellers typically pay another 1–3% of the price in title insurance, escrow or attorney fees, and local transfer taxes. The exact mix varies by state, so adjust the percentage to match your area.
Is this the same as my taxable gain?
No. Net proceeds are the cash you receive; your taxable gain is based on what you originally paid plus improvements. Many sellers owe no tax thanks to the capital-gains exclusion on a primary residence — but check with a tax professional for your situation.
Frequently asked questions
How much do I keep when I sell my house?⌄
Your net proceeds equal the sale price minus your mortgage payoff, agent commission, closing costs, and any repairs or concessions. This calculator adds it all up for you.
What percentage does a real estate agent take?⌄
Total commission commonly runs 5–6% of the sale price, traditionally split between the buyer's and seller's agents. It's negotiable, and recent rule changes have made splits more flexible.
What other costs do sellers pay?⌄
Beyond commission, sellers usually pay 1–3% in title insurance, escrow or attorney fees, and transfer taxes, plus any agreed repairs or buyer closing-cost concessions.
Do I owe taxes on the sale?⌄
Possibly, but many homeowners owe nothing thanks to the capital-gains exclusion of $250,000 (single) or $500,000 (married) on a primary residence. Net proceeds aren't the same as taxable gain — consult a tax professional.
Have another question? Get in touch.