Sale proceeds calculator

Net proceeds are the amount you receive after subtracting all selling-related expenses from your final sale price. These include agent commissions, mortgage payoff, repairs, closing costs, and more.

Sellers typically pay for:

• Agent commission (5–6%)
• Closing costs and escrow fees
• Title insurance and transfer taxes
• Mortgage payoff and possible prepayment penalties
• Repairs or staging costs
• Moving and storage expenses

It depends. If you’ve owned and lived in your home for at least two of the last five years, you may qualify for a capital gains exclusion (up to $250,000 for individuals or $500,000 for married couples). Always consult a tax professional to understand your situation.

Once the sale closes, funds are typically disbursed within a few business days. In most cases, sellers receive their proceeds via wire transfer or check within 1–3 days after closing.

Your final proceeds depend on sale price, your remaining mortgage balance, concessions made to the buyer, and local fees or taxes. Market conditions and negotiation terms also play a role.

Capital gains tax is applied to the profit from the sale of an asset. In real estate, if your gain exceeds the IRS exemption limits and you don’t meet certain criteria, you may owe tax on the excess profit. Consult with a CPA to be sure.

You may be eligible for a capital gains exclusion if the home was your primary residence for 2 of the last 5 years. Keeping records of improvements and closing costs can also help reduce your taxable gain.

It provides a general estimate based on the values you enter. It doesn’t include every possible fee, tax, or adjustment and should not replace a personalized estimate from a licensed real estate agent or financial advisor.

Yes. While this tool is helpful for early planning, an agent will guide you through pricing strategy, marketing, negotiations, and final closing numbers — ensuring you maximize your net proceeds.

Use our 2-step valuation form to request a personalized estimate. A local expert will review your property, market conditions, and recent sales to provide an accurate home value.