Home Sale Net Proceeds Calculator
What you'll pocket after selling your home.
Enter your values
ⓘ Live results
Results
- Agent commission
- $24,750.00
- Total selling costs
- $29,750.00
- Mortgage payoff
- $220,000.00
- Net proceeds to seller
- $200,250.00
Quick answer
Net proceeds equal the sale price minus the mortgage payoff, agent commissions and seller-side closing costs.
Net proceeds = sale price - payoff - commission - closing costs
How to use the Home Sale Net Proceeds Calculator
- 1Enter your expected sale price and current mortgage payoff.
- 2Enter the agent commission rate (often 5-6% combined).
- 3Add any other closing costs, like transfer taxes or title fees.
Worked example
Using the values the calculator loads with:
Inputs
- Expected sale price450000 $
- Mortgage payoff balance220000 $
- Agent commission5.5 %
- Other seller closing costs5000 $
Results
- Agent commission$24,750.00
- Total selling costs$29,750.00
- Mortgage payoff$220,000.00
- Net proceeds to seller$200,250.00
Frequently asked questions
Do I pay capital gains tax on net proceeds?
Possibly — check the capital gains exclusion for a primary residence, or consult a tax professional for investment property.
What if I still owe more than the sale price?
That's a short sale situation; you'd need lender approval or to bring cash to closing.
About this calculator
- Built and reviewed by James Whitfield · How we build and test calculators
- Report an error
Results are estimates for general information. For medical, legal, structural or financial decisions, confirm with a qualified professional.