Mortgages
Home Sale Proceeds Calculator
The sale price isn't your payout. Enter your home's sale price, what you still owe, the agent commission, and other costs to see your net proceeds — the cash you actually pocket after everyone else is paid.
Total agent commission, traditionally 5–6% split between buyer and seller agents.
Title, transfer taxes, attorney, and seller concessions.
Your net proceeds
$166,000
Cash you walk away with after all deductions.
- Sale price
- $500,000
- Selling costs
- $34,000
- Mortgage payoff
- $300,000
Agent commission plus other closing costs.
How this calculator works
Selling costs = sale price × agent commission rate + other closing costs. Net proceeds = sale price − selling costs − mortgage payoff. A negative result means you'd owe money at closing.
An estimate — actual costs vary by state and negotiation, commissions are increasingly negotiable, and this doesn't include prorated property taxes, HOA dues, or repair credits. Get a net sheet from your agent or title company for exact figures.
Try an example
Frequently asked questions
How much do you lose when selling a house?
Selling costs typically run 7–10% of the price once you add agent commission (traditionally 5–6%) and other closing costs like title, transfer taxes, and concessions. On a $500,000 home that's roughly $35,000–$50,000, before paying off your remaining mortgage. Your net proceeds are what's left after all of it.
How do I calculate net proceeds from a home sale?
Start with the sale price, subtract the agent commission and other closing costs to get your net sale amount, then subtract your remaining mortgage balance. What's left is your net proceeds — the cash you actually receive. This calculator does all three steps.
Do I pay taxes on the profit from selling my home?
Often not. If it's your primary residence and you've lived there two of the last five years, you can exclude up to $250,000 of gain ($500,000 if married filing jointly) from capital-gains tax. Gains above that, or on non-primary homes, may be taxable — consult a tax professional for your situation.
What if I owe more than my home is worth?
If your mortgage payoff plus selling costs exceed the sale price, you're 'underwater' and would need to bring cash to closing, or pursue a short sale with lender approval. This is more common early in a mortgage or after home values fall. The calculator flags a negative result.
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Disclaimer: DayCents provides this calculator for educational purposes only. Results are estimates based on your inputs and the stated assumptions — they are not financial advice, a quote, or an offer of credit. Consult a qualified financial professional before making major money decisions.