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Real Estate
Home Sale Proceeds Calculator
Estimate your net proceeds after payoff, commission and closing costs.
Net proceeds
—
What you walk away with.
| Agent commission | — |
|---|---|
| Total selling costs | — |
| Mortgage payoff | — |
| Sale price | — |
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Enter your figures above to see the step-by-step working.
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How the Home Sale Proceeds Calculator Works
Your net proceeds are what’s left after the sale pays off your mortgage and covers the costs of selling. Start with the sale price, subtract the remaining mortgage balance, then subtract the agent commission (a percent of the price) and other closing costs like transfer taxes, title fees and any concessions. Selling a $400,000 home with a $250,000 payoff, 6% commission and $5,000 in other costs nets about $121,000.
Commission is usually the biggest cost, traditionally around 5–6% split between the agents. Remember property taxes and any prorated items at closing; this estimate covers the main figures.
net proceeds = sale price − mortgage payoff − commission − other costs
Frequently Asked Questions
How do I calculate home sale proceeds?
Subtract your mortgage payoff and selling costs (agent commission plus closing costs) from the sale price. What’s left is your net proceeds.
What are typical selling costs?
Agent commission of about 5–6% is the largest, plus closing costs like title, transfer taxes and fees that often add another 1–3%.
Do I pay taxes on the proceeds?
Possibly capital gains, but the primary-home exclusion shields up to $250,000 of gain ($500,000 for couples) for most sellers. See our capital gains calculator.
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