Calculate net proceeds from selling your home after agent commission, closing costs, mortgage payoff, repairs, and taxes.
Enter 0 if you own free & clear
Typically 5–6%
Title, settlement ~1–2%
Varies by state (0–2%)
Credits offered to buyer
After 8.3% in costs and mortgage payoff
| Sale Price | $500,000 |
| Agent Commission (5.5%) | -$27,500 |
| Transfer Tax (0.3%) | -$1,500 |
| Title & Closing Costs | -$7,500 |
| Repairs | -$3,000 |
| Staging | -$2,000 |
| Seller Concessions | $0 |
| Net Before Mortgage Payoff | $458,500 |
| Mortgage Payoff | -$250,000 |
| Total Seller Costs | $41,500 |
| Net Proceeds | $208,500 |
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Net Proceeds = Sale Price − Commission − Transfer Tax − Closing Costs − Repairs − Staging − Concessions − Mortgage Balance
Net proceeds = Sale price − Agent commission − Closing costs − Remaining mortgage balance − Repair/staging costs − Prorated taxes. Use this calculator for an accurate estimate.
Sellers typically pay 7–10% of sale price in total costs: 5–6% agent commission, 1–2% transfer taxes and title fees, plus prorated property taxes and any repairs agreed to in negotiation.
Yes, through FSBO (For Sale By Owner) or flat-fee MLS services. However, you typically still pay the buyer's agent 2.5–3%. The new 2024 NAR settlement changed how buyer agent fees are negotiated.
Proceeds are typically wired to your account within 1–3 business days after closing. If you have an existing mortgage, the title company pays it off first from your proceeds.
Not if you qualify for the capital gains exclusion: $250K single / $500K married, if you've lived in the home 2 of the last 5 years as primary residence. Gains above this threshold are taxed at long-term capital gains rates.
Calculations are for educational purposes only. Consult a qualified financial advisor for personalized advice.