Seller Net Proceeds Calculator
What you actually receive from selling your home.
Calculate net proceeds from selling your home after mortgage payoff, agent fees, legal costs, and other selling expenses.
What this tool does
Enter sale price, mortgage payoff, agent fee percentage, legal costs, and other fees. The tool shows net proceeds.
Enter Values
Formula Used
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Disclaimer
Results are estimates for educational purposes only. They do not constitute financial advice. Consult a qualified professional before making financial decisions.
Net proceeds from home sale: sale price minus mortgage payoff minus selling costs (agent fees 1-3%, legal 1,000-2,000, other costs). Often 8-15% lower than headline sale price after all costs.
Real estate calculator.
A worked example
Try the defaults: sale price of 350,000, mortgage payoff of 150,000, agent fee of 1.5%, legal costs of 1,500. The tool returns 192,750.00. You can adjust any input and the result updates as you type — no submit button, no reload. That's the real power here: seeing how sensitive the output is to one or two assumptions.
What moves the number most
The result responds to Sale Price, Mortgage Payoff, Agent Fee %, Legal Costs, and Other Fees. Not every input has equal weight. Flip one at a time toward extreme values to feel which ones move the needle most for your situation.
The formula behind this
Sale - mortgage - (sale × agent%) - legal - other = net proceeds. Everything the calculator does is shown in the formula box below, so you can check the math against your own spreadsheet if you want.
What the headline rate hides
Lenders quote a rate; what you pay is a blend of that rate, fees, insurance, and any early-repayment penalty built into the product. The figure here isolates the core interest cost so you can compare like-for-like across deals — then add the other costs separately before signing anything.
What this doesn't capture
The figure excludes arrangement fees, valuation costs, legal fees, insurance, and any early-repayment charges — those can add several thousand to the headline cost. Rate changes at renewal for fixed-term deals will shift the picture further. Use this for the core interest/principal math and add the other costs on top.
Home sale produces net proceeds based on the inputs provided.
Inputs
This example uses typical values for illustration. Adjust the inputs above to match a specific situation and see how the result changes.
Sources & Methodology
Methodology
Sale - mortgage - (sale × agent%) - legal - other = net proceeds.
References
Frequently Asked Questions
Are agent fees negotiable?
What about capital gains?
Other selling costs?
When do I get the money?
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