Net Proceeds Calculator

What You Actually Take Home When You Sell

Many sellers are surprised by how much of their sale price disappears before they receive a check. On a $485,000 sale, a seller with a $280,000 mortgage and typical costs (5.5% commission, $2,500 title, 0.1% transfer tax, $3,000 concessions) nets roughly $162,000 — not the $205,000 equity they thought they had. Understanding each deduction category helps you negotiate strategically and set realistic expectations.

The two largest cost categories are typically the mortgage payoff (which is not really a cost, but reduces your check) and agent commissions. In 2026, following the NAR settlement, buyer agent compensation is increasingly negotiable. Sellers working with flat-fee listing agents and self-representing buyers can significantly increase net proceeds.