Financial Tools

Home Sale Proceeds Calculator

What actually reaches your account after a sale. The commission is the line everyone knows, the surprise is the sum of the small ones: transfer tax, title, prorated property tax, repairs and concessions.

The Sale

Sale Price

Agent Commission (percent of the price, both sides)

Seller Closing Costs (percent, escrow and settlement)

The Smaller Lines

Transfer or Excise Tax (varies by state and county)

Title and Legal Fees

Repairs Agreed After Inspection

Buyer Concessions

Prorated Property Tax and HOA

Anything Else

What You Still Owe

Mortgage Payoff

Second Lien or HELOC

Values shown are examples. Commission and transfer tax vary by state and by contract, use the figures on your own settlement statement.

See your full report

What Reaches You

Net Proceeds	$0
Share of the Sale Price	n/a
Before the Loan Payoff	$0
Loan Payoff	$0

Agent Commission	$0
Percentage Closing Costs	$0
Fixed Costs and Credits	$0
Total Cost to Sell	$0
Cost as a Share of Price	n/a

Price That Just Covers Loan and Costs	$0
Gain Against What You Paid	n/a

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For illustration only, not financial advice. Results are estimates based on the numbers you enter and do not constitute an offer, rate quote or approval.

How this is worked out

Net proceeds are the sale price, less the percentage costs (agent commission and settlement), less the fixed costs (transfer tax, title, repairs, concessions, prorated property tax), less what you still owe on the property.

The break-even price solves the same equation backwards: the price at which what is left exactly covers the loan and the fixed costs, after the percentage costs are taken out of it. Below that price a sale needs cash from you at closing.

Every rate here is a field because commission, transfer tax and settlement practice vary by state and by contract. Nothing on this page is assumed on your behalf.

Consumer Financial Protection Bureau, the closing disclosure

Questions people ask

Is the commission always paid by the seller?

It used to be the default. Since the 2024 settlement changes, buyer agent compensation is negotiated more openly and is not automatically a seller cost. Enter what your contract actually says.

What are prorated taxes?

Property tax and HOA dues are split at closing for the part of the period you owned the home. If your area bills in arrears this shows up as a charge to you.

Do I pay tax on the proceeds?

You pay tax on the gain, not the proceeds, and up to $250,000 of gain on a main home is excluded, $500,000 filing jointly. The capital gains calculator on this site prices that.

What if I owe more than the house sells for?

The proceeds line goes negative and the shortfall is due at closing, unless the lender agrees to a short sale. The break-even price above is the number that decides it.

Should I make the repairs the inspection found?

Compare the repair cost with the concession the buyer would otherwise ask for. They are the same line in this calculation, so pick whichever is smaller and faster.

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