Real estate · free calculator
Home seller net proceeds calculator
Compute what a home seller actually walks away with — sale price minus agent commission, transfer taxes, mortgage payoff, prorated property tax, and closing costs.
Net to seller
Show the work
- Agent commission$30,250
- Total deductions$322,500
- Net as % of sale41.4%
What you actually walk away with
The Zillow estimate isn't your check. Once you subtract agent commission (5-6%), mortgage payoff (often half the sale price), state transfer tax, escrow fees, and the prorated property tax — typical sellers walk away with 35-45% of the listed price.
The deductions stack
- Agent commission: 5-6% of sale price (NEGOTIABLE — flat-fee MLS services charge $300-3000)
- Mortgage payoff: principal + accrued interest + early-payoff fees if any
- Transfer tax: 0% (TX, AK) to 4% (Vermont). NYC: 1.825% combined city/state.
- Title + escrow + recording: $1,500-3,500 typical
- Prorated property tax: seller covers tax up to closing date
- Repair credits / concessions: anything negotiated at inspection
- Home warranty for buyer: $400-700, optional but common
What sellers forget
- Capital gains tax on profit above $250k single / $500k MFJ exclusion (only counts if you didn't live in it 2 of last 5)
- Mortgage prepayment penalty if loan was originated <3 years ago with prepay clause
- HOA dues prorated through closing
- Termite + final cleaning sometimes seller-paid by custom
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