Home Sale Proceeds Calculator
Estimate your net profit when selling your home. Includes agent commission, closing costs, and mortgage payoff.
Inputs
Net Proceeds
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Total Costs to Sell
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Cost as % of Price
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Breakdown
How to Use This Home Sale Proceeds Calculator
Our free home sale proceeds calculator estimates how much money you'll walk away with after selling your home. Enter your sale price, mortgage balance, and expected costs for an accurate net proceeds estimate.
Home sale proceeds = Sale Price - Mortgage Payoff - Selling Costs. Selling costs include agent commissions (5-6%), closing costs (1-3%), repairs, and staging. Understanding these costs prevents surprises at closing.
Whether you're planning to sell or just curious about your equity, this calculator gives you a clear picture of your financial position. Use it alongside our Capital Gains Tax Estimator for complete tax planning.
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Frequently Asked Questions about Home Sale Proceeds
How much money will I make when I sell my house?
Net proceeds = sale price - mortgage balance - selling costs (agent commissions 5-6%, closing costs 1-3%, repairs). A $400K sale with $200K mortgage and 6% commissions yields about $176K.
What are the costs of selling a home?
Agent commissions (5-6%), closing costs (1-3%), repairs/staging (1-5%), prorated taxes, and potential seller concessions. Total selling costs typically range 8-10% of sale price.
Do I have to pay capital gains tax when I sell?
Primary residence: up to $250K ($500K married) exclusion if you lived there 2+ of last 5 years. Investment property: full capital gains tax applies, but 1031 exchanges can defer it.
How does my mortgage balance affect proceeds?
Your mortgage is paid from sale proceeds before you receive your equity. Lower balance = more proceeds. If you owe more than the home sells for, you'll need to bring cash to closing.
What is seller concessions?
Seller concessions are amounts you agree to pay toward the buyer's closing costs. Common in buyer's markets. FHA loans allow up to 6% seller concessions.
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