Home Sale Net Proceeds Calculator

Calculate your actual check at closing after commissions, mortgage payoff, and fees.

$
$
Check your most recent statement

Agent Commissions

%
%
Now negotiable per NAR settlement

Seller Closing Costs

$
$
$
$
Credits offered to buyer

Results

Net Proceeds (Your Check)
—
Total Commissions
—
Total Deductions
—
Proceeds Breakdown

What Comes Out of Your Home Sale?

Many sellers are surprised by how much comes off the top of a home sale before they receive their check. The biggest deductions are typically: real estate agent commissions (historically 5–6% total, now more negotiable), mortgage payoff balance, and closing costs. In Florida and similar markets, sellers also pay documentary stamp taxes on the deed.

This calculator helps you estimate your actual proceeds before you list — so you can make informed decisions about pricing, timing, and whether to offer buyer concessions.

Agent Commissions After the NAR Settlement

Since August 2024, the NAR settlement changed how buyer's agent commissions work. Sellers are no longer required to offer a commission to the buyer's agent through the MLS. Buyer agent compensation is now negotiated separately and directly between the buyer and their agent, though sellers may still offer concessions to help buyers cover these costs. Commission rates are now more openly negotiable than before.

Related Calculators