How to Calculate Your Home Sale Net Proceeds
Selling a home anywhere in the U.S. involves more than just a sale price minus a mortgage payoff. Our Net Sheet calculator gives you a clear breakdown of the costs sellers typically face so you can estimate what you'll actually walk away with at closing.
What is a Net Sheet?
A net sheet estimates the total proceeds a seller will receive after paying off their mortgage, real estate commissions, and standard closing costs.
Key Cost Categories (vary by state)
- Agent Commissions: Typically negotiable. Typically the largest single line item.
- Transfer / Excise Taxes: Some states charge a flat rate; others use graduated brackets or add local surcharges.
- Title Insurance & Escrow: Who pays varies by state custom and is often negotiated in the contract.
- Recording & Misc. Fees: Smaller fixed costs paid at closing.
National Estimate vs. State-Specific
Start with the National Average above for a quick ballpark, then choose your state for accurate transfer-tax brackets, escrow customs, and local fees.