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Home Sale Proceeds Calculator

See exactly what you'll walk away with after your mortgage payoff, agent commissions, transfer taxes, and closing costs. Edit any field to match your own deal — the numbers update instantly.

Example deal — edit any number to analyze your own.

Estimated Net ProceedsExample
$205,200
Closing Nov 26, 2026 · $319,800 in payoff, commissions & costs

We'll pre-fill the state, county transfer taxes, title custom and an estimated property tax bill. Every number stays editable.

Seller details

Everything else already uses sensible local defaults.

$
$
3%
2.5%
Seller concessions
Amount
$

Closing Nov 26, 2026 — change it under Review detailed assumptions.

Your work is kept automatically.

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How your home sale proceeds are calculated

  1. 1. Start with the sale price. The agreed contract price is the top line — everything else is a deduction.
  2. 2. Subtract your mortgage payoff. This is the remaining principal balance plus any accrued interest through closing day. Ask your lender for a written payoff quote.
  3. 3. Subtract agent commissions. Typically 5–6% total. Since the August 2024 NAR settlement, sellers can negotiate the listing-side and buyer-side commissions separately.
  4. 4. Subtract transfer taxes. State and local taxes vary widely — from $0 in Texas to over 1% of the price in New York City. Use the state pages below for exact formulas.
  5. 5. Subtract title, escrow, and recording fees. Title insurance is usually the biggest line here; who pays (buyer or seller) is set by state custom.
  6. 6. Subtract prorated taxes and credits. Property taxes are prorated to closing day; any repair credits or HOA dues owed to the buyer come out here too.

State-specific home sale proceeds calculators

Transfer-tax formulas and title-insurance customs vary by state. Pick yours for the most accurate estimate:

Running these numbers for clients? Sumline has real estate calculators for agents, including branded PDF reports.

Home sale proceeds — frequently asked questions

How do you calculate home sale proceeds?

Home sale proceeds = sale price − remaining mortgage payoff − agent commissions − transfer taxes − title/escrow fees − any prorated property taxes or seller concessions. The Sumline calculator runs the full formula automatically and lets you edit every line.

What's typically deducted from the sale of my home?

Expect five buckets: (1) mortgage payoff and any home-equity loan, (2) real-estate agent commissions (roughly 5–6% total, now often split with the buyer's agent under the 2024 NAR settlement), (3) state and local transfer taxes, (4) title insurance, escrow, and recording fees, and (5) prorated property taxes, HOA dues, and any repair credits negotiated with the buyer.

How much do you actually walk away with when you sell a house?

For a typical US home, sellers keep roughly 88–92% of the sale price after paying off their mortgage — the remaining 8–12% covers commissions, taxes, and closing costs. Because transfer taxes and title customs vary state by state, run the numbers on your own scenario to get a real estimate.

Is this home sale calculator free?

Yes. The calculator is free to use with no signup, and sharing results is always free. Your first complete Seller client package is free. After that, Estate Pro is $149/year or $19/month for unlimited client-ready packages and agent-branded shares, or a single seller or buyer client package is $5 one-time.

Does this work for every US state?

Yes — the calculator works nationwide. For state-specific transfer-tax formulas and title-insurance customs, use one of the state pages (California, Texas, Florida, New York and more).

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