Home Seller Net Proceeds Calculator
Thinking “should I sell my house?” Start with the number that matters most: how much cash may actually be left after the sale.
Free Home Seller ToolStart with what you know
Enter the expected sale price and what you still need to pay off.
Estimated net proceeds
$0
Planning assumptions
We filled these in for you
Change any amount you know. You can use either dollars or percentages for percentage-based costs.
Where the money goes
Taxable gain is not the same thing as net proceeds. IRS rules use your amount realized, selling expenses, adjusted basis and eligibility for the home-sale exclusion.
KNOW THIS BEFORE YOU SELL
What can reduce the money you keep from a home sale?
Net proceeds are the cash left after paying off loans tied to the property and the costs of completing the sale. Some costs are predictable, while others depend on your contract, location and the condition of the home.
Mortgage payoff
A payoff quote can be higher than the balance shown on your statement because it may include interest through the payoff date and certain unpaid fees.
Repairs and improvements
Not every project pays back at resale. Compare the expected sale benefit with the cash you would spend before committing to major work.
Should you fix your house before selling? →Pricing the home
Your mortgage balance and the amount of cash you want to walk away with do not determine market value. Start with realistic market evidence.
How much should you list your house for? →Agent compensation
Broker compensation is negotiable. A seller may also choose whether to offer compensation to a buyer’s agent.
Seller concessions
Concessions can cover certain buyer costs and are separate from an offer of buyer-agent compensation. They are negotiable and can reduce your proceeds.
Closing fees and transfer taxes
Settlement, title, attorney, recording, transfer and stamp-tax costs vary by location and transaction. Use a local estimate or closing worksheet when you have one.
HOA and property-specific fees
Condo or HOA resale packages, transfer fees, document fees and other association charges can appear late in the process. Add them under Other seller costs.
Capital-gains tax
Do not estimate tax by subtracting your mortgage from the sale price. The IRS uses adjusted basis and selling expenses, and qualifying main-home sellers may be eligible for an exclusion.
Taxes when selling a house →Timing and carrying costs
An extra month on the market can mean another mortgage payment, utilities, insurance and maintenance. Timing can affect the cash you ultimately keep.
Best time to sell a house →