Home Net Proceeds Calculator

Home Sale Price ($):

Remaining Mortgage Balance ($):

Agent Commission (%):

Closing Costs ($):

Other Fees ($):

Calculate Reset

Net Proceeds:

When selling your home, one of the most important numbers to know is how much money you’ll walk away with after all expenses. That figure is known as your net proceeds—and it can significantly impact your next move, whether you’re buying another property, downsizing, or investing elsewhere.
To take the guesswork out of the process, we’ve built a free, easy-to-use Home Sale Net Proceeds Calculator. This tool helps homeowners and sellers quickly estimate the cash they can expect after covering mortgage payoff, agent commissions, closing costs, and other fees.
Below, we’ll walk you through how to use the tool, provide a step-by-step example, and answer all your most frequently asked questions about net proceeds.

🔧 What Is the Home Sale Net Proceeds Calculator?
The Home Sale Net Proceeds Calculator is a digital tool designed to help home sellers estimate the amount of money they’ll take home after a real estate transaction. It subtracts all applicable costs from your home’s sale price, including:
Remaining mortgage balance
Real estate agent commission
Closing costs
Additional fees (e.g., repairs, staging, or legal)
This tool is ideal for homeowners, real estate investors, and even agents who want to quickly calculate potential profit.

✅ How to Use the Home Sale Net Proceeds Calculator (Step-by-Step)
Follow these simple steps to use the calculator effectively:
Enter the Home Sale Price ($)
Input the expected or actual sale price of your home.
Enter the Remaining Mortgage Balance ($)
Input the outstanding balance on your current mortgage.
Enter Agent Commission (%)
Enter the total agent commission percentage. The default is 6%, which is standard for many real estate transactions, but this can be adjusted.
Enter Closing Costs ($)
Include estimated or actual closing costs such as escrow fees, title insurance, transfer taxes, etc.
Enter Other Fees ($)
Add any other anticipated costs like staging, repairs, legal fees, or HOA dues.
Click “Calculate”
The calculator will instantly display your estimated Net Proceeds in bold.
Use the “Reset” Button if you want to start over with new values.
That’s it! The tool does the math so you don’t have to.

💡 Example: Estimating Your Home Sale Profit
Let’s say you’re selling your home for $450,000. Here are your known costs:
Remaining Mortgage Balance: $280,000
Agent Commission: 6%
Closing Costs: $5,000
Other Fees: $3,000
Step-by-step Calculation:
Agent Commission:
6% of $450,000 = $27,000
Net Proceeds:
$450,000 (sale price)
− $280,000 (mortgage)
− $27,000 (commission)
− $5,000 (closing costs)
− $3,000 (other fees)
= $135,000
So, you’d walk away with approximately $135,000 in net proceeds.

🧠 Why Knowing Net Proceeds Matters
Understanding your net proceeds can help you:
Budget for your next home purchase
Make informed investment decisions
Plan for taxes and moving costs
Set realistic expectations before listing your home
Evaluate offers based on real take-home value—not just the offer price
This tool empowers sellers to make data-driven decisions before and during the home-selling process.

🧰 Use Cases: Who Should Use This Calculator?
This Net Proceeds Calculator is helpful for:
Homeowners preparing to sell
Real estate agents advising clients
Investors flipping properties
Divorce proceedings involving property division
Heirs or estate managers selling inherited homes
FSBO (For Sale By Owner) sellers

❓ Frequently Asked Questions (FAQs)
1. What are net proceeds from a home sale?
Net proceeds are the amount of money a home seller receives after all selling costs are deducted from the sale price.
2. How accurate is the calculator?
The calculator is as accurate as the numbers you input. Always use realistic estimates or confirmed costs for the best results.
3. What’s included in closing costs?
Closing costs may include title insurance, escrow fees, recording fees, and transfer taxes. These vary by location and deal.
4. Is the real estate agent commission fixed at 6%?
No, 6% is a common industry standard, but commissions are negotiable. You can change the percentage in the calculator.
5. Can I include repair or renovation costs?
Yes, include those in the “Other Fees” field if they’re part of your selling expenses.
6. What if I don’t have any closing costs?
Simply leave that field as $0.
7. Can this tool be used for investment property sales?
Absolutely. It’s ideal for estimating net gains on investment properties as well.
8. Does this calculator factor in capital gains taxes?
No, it does not. Consult a tax advisor for guidance on potential capital gains liabilities.
9. What if I’m selling without an agent (FSBO)?
You can input 0% for agent commission if you’re not using an agent.
10. Are there costs I might forget to include?
Commonly overlooked costs include HOA transfer fees, home warranty coverage, or seller concessions.
11. Does the calculator save my data?
No, for privacy reasons, it does not store any information.
12. Can this be used on mobile devices?
Yes, the calculator is mobile-friendly and works seamlessly on smartphones and tablets.
13. Is this tool free to use?
Yes, the Home Sale Net Proceeds Calculator is completely free with no sign-up required.
14. Can I use this if I’m not in the U.S.?
While primarily tailored for U.S. real estate, the tool can work for other regions if you convert local costs accordingly.
15. What if I still owe a second mortgage or home equity loan?
Include all remaining mortgage-related debts in the “Remaining Mortgage Balance” field.
16. Should I include buyer concessions?
Yes, if you’re offering financial incentives to the buyer, include them in “Other Fees.”
17. How often should I recalculate?
Recalculate whenever you receive a new offer, update cost estimates, or adjust your listing price.
18. Can this be used during negotiations?
Yes, it’s a valuable tool for evaluating offers during the negotiation process.
19. Does this replace financial or legal advice?
No. While it provides quick estimates, you should still consult with a real estate professional or financial advisor.
20. Is there a way to print or export the results?
Currently, results are displayed on-screen. You can take a screenshot or copy the number manually.

📌 Final Thoughts
Selling a home involves many moving parts, but understanding your true take-home amount shouldn’t be complicated. The Home Sale Net Proceeds Calculator provides fast, transparent estimates so you can move forward with confidence.
Try the calculator today and gain clarity about your next big step in real estate.