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Seller Net Sheet & Net Proceeds Calculator

See exactly what you'll walk away with after your home sale. This seller net sheet combines commissions, mortgage payoffs, closing costs, and repairs into your true bottom line.

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Seller Net Sheet & Net Proceeds Calculator

See exactly what you'll walk away with after your home sale. This seller net sheet combine...

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📊 Seller Net Sheet
Gross Sale Price
Commission Amount
Total Deductions
Estimated Net Proceeds

*Does not include capital gains tax. Use the Capital Gains Tax Calculator for full tax analysis.

What is the Net Proceeds Calculator?

A seller net sheet (also called a seller's estimated proceeds statement) is a document that projects how much money a home seller will receive after all costs are deducted from the sale price. It is one of the first things a real estate agent or attorney prepares when listing a home. Key deductions include the remaining mortgage balance, real estate agent commissions, transfer taxes, attorney fees, title costs, prorated property taxes, and any buyer concessions or repair credits.

How to Use This Calculator

  • 1Enter your expected listing or sale price.
  • 2Input your remaining mortgage balance — use our Mortgage Payoff Calculator if unsure.
  • 3Enter the total real estate commission rate (buyer's + seller's agent combined).
  • 4Add your estimated seller closing costs (title, attorney, recording fees).
  • 5Include any seller concessions or credits you're offering the buyer.
  • 6Add pre-sale repair costs if applicable.
  • 7Click Calculate to see your estimated net proceeds.

⚖️ Attorney's Role

Your real estate attorney prepares or reviews the official closing disclosure (CD), which is the final, legally binding version of your net sheet. They verify that all deductions are accurate, catch errors in commission or payoff calculations, and ensure funds are disbursed correctly at closing. In attorney-closing states, this is a required part of the closing process.

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Frequently Asked Questions

Everything you need to know about net proceeds in real estate transactions

A seller net sheet is a financial summary that projects your take-home amount from a home sale. It starts with your sale price and subtracts all costs: mortgage payoff, agent commissions, closing costs, transfer taxes, attorney fees, and any concessions. It's not a legal document, but an estimate to help you plan.
A net sheet is an estimate — final numbers depend on the actual closing date (affecting prorated taxes and per-diem mortgage interest), negotiated credits, and lender payoff amounts. The official Closing Disclosure issued 3 days before closing will have the exact figures. Expect your net sheet to be within 1–3% of the final number.
Total commission in the US has historically been 5–6% of the sale price, split between the buyer's and seller's agents. However, following recent NAR settlement changes, commission structures are more negotiable. Some sellers use flat-fee or discount brokers to reduce this cost.
If your mortgage balance plus costs exceeds your sale price, you're in a 'short sale' situation. You would need your lender's approval to sell for less than owed. A real estate attorney is critical in short sale negotiations to protect you from remaining liable for the deficiency balance.
Net proceeds themselves aren't taxed — but any capital gain (profit above your adjusted cost basis) may be. Use our Capital Gains Tax Calculator to estimate your tax liability. Remember that selling costs like commissions can be deducted from your gain, reducing your taxable profit.

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