Home Sale Profit Calculator
Calculate your net proceeds after mortgage payoff, agent commission, and closing costs.
Understanding Your Home Sale Proceeds in 2026
Selling a home involves more deductions from the sale price than most sellers anticipate. The largest is typically the agent commission (4-6%), followed by mortgage payoff (which depends on your current balance), and seller closing costs (1-3%). On a $520,000 sale with a $280,000 mortgage and 5.5% commission, your net proceeds after all costs are approximately $205,000.
The 2024 NAR settlement changed how buyer agent compensation is handled. Sellers are no longer required to offer buyer agent compensation through the MLS, and commission rates have become more negotiable. Many sellers are now paying 2-3% total (seller agent only) or flat fees, versus the traditional 5-6% structure. This can save sellers $5,000-$15,000 on a $400,000-$600,000 sale.
Timing Your Sale for Maximum Net Proceeds
Net proceeds are maximized by pricing correctly at list, minimizing days on market, and negotiating all costs including commission. Pre-listing investments in paint, professional cleaning, and staging typically return $2-3 for every $1 spent on a correctly priced home. Focus on curb appeal first — online listing photos drive first impressions.