Decision tools
Seller Offer Comparison Tool
Multiple offers rarely differ on price alone. Compare net proceeds, concessions, closing timeline, and contingencies side by side — without collapsing it all into one 'best offer' score.
Direct answer:enter your shared payoff and commission assumptions, then each offer’s price, concessions, financing, timeline, and contingencies. This calculator shows real net proceeds per offer and counts contingencies present — it doesn’t declare a winner, since the highest price and the most certain path to closing aren’t always the same offer.
Shared assumptions
Offers (3 of 6 max)
Offer B
$236,125
Net proceeds
$475,000 price · Conventional · 35 day close · $5,000 earnest money
2 contingencies: financing, appraisal
Offer A
$230,100
Net proceeds
$460,000 price · Cash · 21 day close · $10,000 earnest money
No contingencies entered
Offer C
$218,500
Net proceeds
$450,000 price · FHA · 45 day close · $3,000 earnest money
3 contingencies: financing, appraisal, inspection
Offers are listed by net proceeds, highest first — that’s a convenience ordering, not a verdict on which offer is best. The highest-net-proceeds offer and the offer with the fewest contingencies are called out separately above because they aren’t always the same offer, and this tool has no honest way to weigh a faster, more certain close against a higher price for you — that depends on your own risk tolerance and timeline. Contingencies are counted, not scored: a financing or appraisal contingency is a real risk of the deal falling through or being renegotiated, but the actual likelihood depends on the buyer, lender, and market, which this tool can’t know.
Price isn't the whole offer
The highest number on paper isn't always the surest path to closing.
A cash offer with no contingencies at a lower price can be worth more to you than a higher offer carrying financing, appraisal, and inspection contingencies — or it might not be. That trade-off depends on your own timeline and risk tolerance, not a formula.
Methodology
How each offer is compared.
Net proceeds uses the same formula as the Seller Net Proceeds Calculator: offer price, minus your listing commission, minus that offer’s own buyer-agent compensation ask, minus estimated closing costs, minus your mortgage payoff, minus that offer’s seller concessions.
Contingencies are simply counted — financing, appraisal, and inspection — not weighted into the net-proceeds figure or combined into a single risk score. The offer with the highest net proceeds and the offer with the fewest contingencies are both called out, since they can be two different offers entirely.
Worked example (hypothetical)
A $200,000 payoff with a 3% listing commission and 1% closing costs, comparing a $460,000 all-cash offer with no contingencies against a $475,000 conventional offer with $8,000 in concessions and financing/appraisal contingencies, and a $450,000 FHA offer with all three contingencies, estimates net proceeds of roughly $230,100, $236,125, and $218,500 respectively. The $475,000 offer nets the most, but the $460,000 cash offer has zero contingencies and the fastest close — which matters more depends on you. Change any number above to see how it moves — this example is illustrative only, not a projection for any specific property or offer.
Downside cases
- A financing or appraisal contingency can lead to renegotiation or a canceled deal well after you’ve taken the home off the market — the dollar comparison above doesn’t capture the cost of restarting that process.
- A longer closing timeline extends how long you’re carrying the property (payments, insurance, upkeep) before proceeds are actually in hand.
- Earnest money size is entered here for context but isn’t folded into net proceeds — a larger deposit is a signal of buyer commitment, not a guarantee the deal closes.
National considerations
How often financing or appraisal contingencies actually derail a deal varies by lender, loan program, and market conditions.
Utah considerations
How competitive multiple-offer situations are, and how buyers structure contingencies, vary by Utah county — see Utah-specific market guidance for the regional detail behind these assumptions.
Author: Todd McClean, Realtor® | Real Estate Investment Strategist, Mountainland Realty, Inc.. Reviewed July 26, 2026. This tool provides general real estate information and is not legal, tax, accounting, lending, securities, commodities, or financial-planning advice.
Frequently asked questions
Does this tool tell me which offer to accept?
Why doesn't the tool estimate the odds a contingency kills the deal?
Why does buyer-agent compensation vary by offer instead of being one shared number?
Can I compare more than 6 offers?
Related
Go deeper before you counter or accept.
Next step
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