Home Sale Net Proceeds Calculator
What you'll pocket after selling your home.
Enter your values
Enter the expected sale price in $.
Enter the mortgage payoff balance in $.
Enter the agent commission in %.
Enter the other seller closing costs in $.
Results update instantly as you type — no submit needed. Your values are remembered on this device, and the shareable link reopens the calculator with exactly these numbers.
- Agent commission
- $24,750.00
- Total selling costs
- $29,750.00
- Mortgage payoff
- $220,000.00
- Net proceeds to seller
- $200,250.00
Quick answer
Net proceeds equal the sale price minus the mortgage payoff, agent commissions and seller-side closing costs.
Net proceeds = sale price - payoff - commission - closing costs
At a glance
| What it does | What you'll pocket after selling your home. |
|---|---|
| Category | Real Estate |
| Inputs needed | Expected sale price, Mortgage payoff balance, Agent commission, Other seller closing costs |
| Main output | Agent commission |
| Formula | Net proceeds = sale price - payoff - commission - closing costs |
| Cost | Free — no sign-up, no download |
How to use the Home Sale Net Proceeds Calculator
- 1Enter your expected sale price and current mortgage payoff.
- 2Enter the agent commission rate (often 5-6% combined).
- 3Add any other closing costs, like transfer taxes or title fees.
Inputs explained
- Expected sale price($)
- Enter the expected sale price in $.
- Mortgage payoff balance($)
- Enter the mortgage payoff balance in $.
- Agent commission(%)
- Enter the agent commission in %.
- Other seller closing costs($)
- Enter the other seller closing costs in $.
Worked example
Using the values the calculator loads with:
Inputs
- Expected sale price450000 $
- Mortgage payoff balance220000 $
- Agent commission5.5 %
- Other seller closing costs5000 $
Results
- Agent commission$24,750.00
- Total selling costs$29,750.00
- Mortgage payoff$220,000.00
- Net proceeds to seller$200,250.00
Frequently asked questions
Do I pay capital gains tax on net proceeds?
Possibly — check the capital gains exclusion for a primary residence, or consult a tax professional for investment property.
What if I still owe more than the sale price?
That's a short sale situation; you'd need lender approval or to bring cash to closing.
What do I need to enter into the Home Sale Net Proceeds Calculator?
Just 4 values: expected sale price, mortgage payoff balance, agent commission, other seller closing costs. Every field starts with a realistic example, so you can change one number at a time and watch the result update instantly.
How does the Home Sale Net Proceeds Calculator work out the answer?
Net proceeds equal the sale price minus the mortgage payoff, agent commissions and seller-side closing costs. It applies the formula Net proceeds = sale price - payoff - commission - closing costs and shows the working so you can check each step by hand.
Is the Home Sale Net Proceeds Calculator free, and do I need an account?
It is completely free with no sign-up, no download and no usage limit. Everything is calculated in your browser, so the numbers you type never leave your device.
Results are estimates for general information. For medical, legal, structural or financial decisions, confirm with a qualified professional.