Home Sale Proceeds Calculator
Estimate net proceeds from selling a home after mortgage payoff, agent commission, closing costs, transfer tax, credits, repairs and your own tax estimate.
Interactive calculator · Method HOME-SALE-PROCEEDS-1.0 · Last reviewed: 2026-11-04
Calculate your scenario
Total selling costs = price × (commission % + closing cost % + transfer tax %) ÷ 100 + flat closing fees + seller credits + repairs + other costs.
Your inputs
Default worked example. Edit the inputs to calculate your scenario.
Default worked example
Net = $500,000.00 − $39,500.00 selling costs − $250,000.00 payoff = $210,500.00; minus your $0.00 tax estimate leaves $210,500.00.
How to use the calculator
Enter the expected sale price and the payoff for every loan or lien on the home. Replace the example commission, closing cost and transfer tax percentages with your own, add any flat fees, credits to the buyer, repairs and other costs, and optionally a tax estimate you have worked out separately.
What the result means
Selling for $500,000 with $250,000 owed, the entered costs total $39,500 (7.9% of price), leaving $210,500, or 42.1% of the price, before any tax estimate.
Formula and units
Total selling costs = price × (commission % + closing cost % + transfer tax %) ÷ 100 + flat closing fees + seller credits + repairs + other costs. Net proceeds before tax = sale price − total selling costs − payoff balance(s). Net after your tax estimate = that amount − the tax figure you enter. Percentages divide each figure by the sale price.
Worked examples
$500,000 sale with $250,000 owed: Sale price: 500000 USD; Mortgage and lien payoff balance(s): 250000 USD; Agent commission (example 5): 5 % of price; Seller closing costs as a percent (example 1): 1 % of price; Seller closing costs as flat fees: 0 USD; Transfer tax rate you enter (example 0.5): 0.5 % of price; Seller credits or concessions: 5000 USD; Repairs and preparation: 2000 USD; Other costs (moving, staging, prorations): 0 USD; Your own tax estimate on the sale (optional): 0 USD.
Example result: Net proceeds before tax estimate: $210,500.00; Net after your tax estimate: $210,500.00; Total selling costs: $39,500.00; Selling costs as % of price: 7.9%; Net before tax as % of price: 42.1%; Mortgage payoff: $250,000.00.
$350,000 sale with $300,000 owed and buyer credits: Sale price: 350000 USD; Mortgage and lien payoff balance(s): 300000 USD; Agent commission (example 5): 6 % of price; Seller closing costs as a percent (example 1): 0 % of price; Seller closing costs as flat fees: 4000 USD; Transfer tax rate you enter (example 0.5): 1 % of price; Seller credits or concessions: 8000 USD; Repairs and preparation: 3000 USD; Other costs (moving, staging, prorations): 1500 USD; Your own tax estimate on the sale (optional): 0 USD.
Example result: Net proceeds before tax estimate: $9,000.00; Net after your tax estimate: $9,000.00; Total selling costs: $41,000.00; Selling costs as % of price: 11.71%; Net before tax as % of price: 2.57%; Mortgage payoff: $300,000.00.
Limitations and common mistakes
Commission, closing cost and transfer tax rates are examples to replace with your own agreement, title quote and local rates. Capital gains or other taxes are not calculated: enter your own figure from a tax professional or worksheet if you want it subtracted. Payoff should be the lender’s payoff quote, which includes accrued interest and may differ from the statement balance. Prorated property taxes, HOA dues and escrow refunds vary and belong in other costs or are left out.
Using the mortgage statement balance instead of a payoff quote, or forgetting a HELOC or second lien. Every lien is paid from the proceeds at closing.
Sources and assumptions
Method HOME-SALE-PROCEEDS-1.0; last formula review 2026-11-04. Sources and their supported claims. Calculation methodology.