Zillow Proceeds Calculator
Selling a home involves a lot more than simply finding a buyer and signing paperwork. One of the most important things sellers want to know is: “How much money will I actually walk away with?” That’s exactly what our Home Sale Proceeds Calculator helps you determine—instantly and accurately.
This tool is designed to provide a clear estimate of your net proceeds by factoring in your remaining mortgage, agent commission, closing costs, repairs, and other fees. Whether you’re planning to sell soon or just evaluating your options, this calculator gives you a reliable look at what to expect financially.
🔧 How to Use the Home Sale Proceeds Calculator (Step-by-Step)
Using the calculator is simple. Follow these steps:
- Enter Your Home Sale Price ($):
Input the expected selling price of your home. - Enter Remaining Mortgage Balance ($):
Add your outstanding mortgage amount that will be paid off at closing. - Input Agent Commission (%):
The default is 6%, but you can change it based on your listing agreement. - Enter Other Closing Costs ($):
Include costs like escrow fees, title insurance, and attorney fees. - Enter Repair Costs ($):
Add estimated costs for any pre-sale repairs or renovations. - Enter Any Additional Fees ($):
Include HOA transfer fees, staging costs, or other miscellaneous expenses. - Click “Calculate”:
The tool instantly shows:- Agent Commission Amount
- Total Deductions
- Net Proceeds (your take-home profit)
- Click “Reset” to start over and input different numbers if needed.
🧮 Practical Example
Let’s say you’re selling your home for $450,000.
- Remaining mortgage: $250,000
- Agent commission: 6%
- Closing costs: $5,000
- Repairs: $2,500
- Additional fees: $1,500
Calculation:
- Commission: 6% of $450,000 = $27,000
- Total deductions: $250,000 (mortgage) + $27,000 (commission) + $5,000 + $2,500 + $1,500 = $286,000
- Net proceeds: $450,000 – $286,000 = $164,000
This means you’ll take home approximately $164,000 after all expenses.
📘 Why Use a Seller Proceeds Calculator?
1. Set Realistic Expectations
Homeowners often overestimate their take-home amount. This tool grounds your expectations in real numbers.
2. Plan for Your Next Move
Whether you’re buying another house, downsizing, or investing, knowing your net proceeds helps you budget better.
3. Negotiate Smarter
When you understand all the deductions, you’re in a better position to negotiate agent fees or decide on repair investments.
4. Prepare for Closing
No more last-minute surprises—get a good estimate of what you’ll walk away with ahead of time.
💡 Additional Use Cases and Tips
- Compare Offers: Run different sale price scenarios to see how offers affect your proceeds.
- Adjust Agent Commission: If you’re selling FSBO or negotiating a lower rate, plug in new numbers to compare.
- Include Real-Life Repair Estimates: Be sure to get quotes for any major work before adding rough numbers.
- Use Before Listing: Helps determine your minimum acceptable sale price.
❓ Seller Proceeds Calculator: Frequently Asked Questions (FAQs)
1. What are net proceeds from a home sale?
Net proceeds are the amount of money you take home after subtracting mortgage payoff, agent fees, closing costs, and any other expenses.
2. Does the calculator include taxes?
No. It doesn’t calculate property or capital gains taxes. Consult a tax advisor for those estimates.
3. What if I don’t use a real estate agent?
You can set the agent commission to 0% or whatever fee structure you’re using.
4. Can I use the tool if I already accepted an offer?
Yes! It can still help estimate your final proceeds based on updated numbers.
5. Is this calculator accurate?
It provides a close estimate. Final numbers depend on real closing documents and local costs.
6. How is agent commission calculated?
The tool multiplies the commission rate by the sale price to get the total amount paid to agents.
7. What are typical closing costs for sellers?
Usually 1–3% of the home price, including escrow, title fees, transfer taxes, etc.
8. Do I have to include repair costs?
No, but it’s wise to include them if you’re planning improvements before listing.
9. Can this tool help me price my home?
Indirectly. It shows how different sale prices impact your take-home earnings.
10. What are “additional fees”?
Any miscellaneous costs like HOA transfers, staging, moving expenses, etc.
11. Can I calculate for multiple scenarios?
Yes! Simply adjust the numbers and click “Calculate” again.
12. What’s a typical agent commission rate?
Most commonly 5–6%, but it can vary depending on location and brokerage agreements.
13. Do I have to pay both buyer and seller agent commissions?
Usually yes. The total commission (e.g., 6%) is split between the buyer’s and seller’s agents.
14. Is this tool mobile-friendly?
Yes, it works on all modern devices including smartphones and tablets.
15. Do I need to download anything?
No, it’s 100% browser-based and runs instantly on your website.
16. What if my mortgage balance is $0?
Simply enter 0 for the mortgage balance—it will be excluded from deductions.
17. Why does my agent commission seem so high?
It’s based on your home’s sale price. A high price means a higher percentage-based fee.
18. Can I use this for investment properties?
Absolutely. It’s perfect for evaluating multiple property sale scenarios.
19. Is this tool free to use?
Yes, and there’s no login or signup required.
20. Where does this tool pull its data from?
All calculations are based on the numbers you enter. No external data is used.
🏁 Conclusion
Selling a home is a major financial decision, and understanding what you’ll actually take home after all costs is crucial. Our Home Sale Proceeds Calculator provides a simple, powerful way to project your net earnings and make informed decisions about your real estate transaction.
Use it to explore different selling strategies, prepare for closing, or simply satisfy your curiosity about your current home’s value. Try it now and take control of your financial future—one calculation at a time.