Decision tools
Seller Net Proceeds Calculator
Estimate what may remain after mortgage payoff, commission, and closing costs — before you decide anything.
Direct answer: enter your estimated sale price, loan payoff, commission, and closing costs below, and this calculator subtracts them to estimate what you may walk away with. It updates instantly as you type — no form submission required.
Estimated net proceeds
$420,750
- Estimated sale price
- $450,000
- Mortgage & lien payoff
- - $0
- Commission (5%)
- - $22,500
- Closing costs (1.5%)
- - $6,750
- Other costs or credits
- - $0
- Estimated net proceeds
- $420,750
Estimate, then verify
Your closing agent's number is the one that matters.
This estimate is only as accurate as the payoff, commission, and cost figures you enter. Before relying on it for a real decision, get an actual payoff statement and a closing cost estimate from your title company or closing agent.
Methodology
How this estimate is calculated.
Net proceeds = sale price − mortgage & lien payoff − commission (sale price × commission %) − closing costs (sale price × closing cost %) − other seller-paid costs or credits.
This is a simplified estimate, not a substitute for a title company’s closing statement. It does not account for prorated property taxes, HOA dues owed at closing, or any transaction-specific fees beyond what you enter in “other costs.” Real estate commission is negotiable between you and your agent — this calculator does not assume or recommend any specific rate.
Worked example (hypothetical)
A $450,000 sale with a $310,000 payoff, 5% commission ($22,500), 1.5% closing costs ($6,750), and $2,000 in other costs would estimate to roughly $108,750 in net proceeds. Change any number above to see how it moves — this example is illustrative only, not a market data point or a projection for any specific property.
Downside cases
- If payoff and selling costs exceed the sale price, the calculator will flag an estimated shortfall — meaning you may need to bring funds to closing rather than receive proceeds.
- Buyer-requested repair credits and concessions after inspection can meaningfully reduce proceeds versus an initial estimate — enter a conservative number in “other costs” if repairs are likely.
- A lower-than-expected sale price changes every line in this calculation, not just the top number — model a conservative price alongside your target price.
National considerations
Typical commission structures, closing-cost norms, and who customarily pays for title insurance all vary by state and by local practice.
Utah considerations
Utah does not levy a state-level real estate transfer tax, but county recording fees, title, and escrow costs still apply — a Utah title company can provide a precise closing-cost estimate for your specific transaction.
Author: Todd McClean, Realtor® | Real Estate Investment Strategist, Mountainland Realty, Inc.. Reviewed July 21, 2026. This tool provides general real estate information and is not legal, tax, accounting, lending, securities, commodities, or financial-planning advice.
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