Home Sale Proceeds Calculator
What will you actually walk away with? Enter your sale price and costs to estimate net proceeds after commission, closing costs and your mortgage payoff.
Compare agent commission rates in your area
Learn moreWhere the money goes
Selling isn’t free. Agent commission is the biggest bite, followed by closing costs (transfer taxes, title, attorney) and any concessions or repairs. After those come off the top — and your remaining mortgage is paid — what’s left is your net proceeds.
How it’s calculated & sources
Commission = price × commission%. Other costs = price × closing-cost% plus repairs. Net proceeds = sale price − mortgage payoff − total costs.
Benchmark: all-in cost to sell typically runs 8–10% of the price (commission + closing) — NAR / Zillow data.
Results update as you type and are general estimates, not personalized financial, tax, medical or legal advice. Verify with a professional.
Worked example
On a $450,000 sale with a $250,000 payoff, 5.5% commission and ~2% other costs, the cost to sell is about $36,000, leaving roughly $164,000 in net proceeds.
Frequently asked questions
Are commissions negotiable?
Yes — and recent rule changes have made them more openly negotiable. Even half a point on a large sale is real money.
Do I pay capital-gains tax too?
Possibly, but primary residences get an exclusion of up to $250k single / $500k joint of gain. This tool estimates cash proceeds, not the tax.