Finance category
Mortgage, loan, investing, tax, and money calculators.
Seller Net Sheet Calculator
Estimate what you actually walk away with from a home sale. Combine expected sale price, agent commission, seller-side closing costs, buyer credits, and your mortgage payoff into one net proceeds number.
Sale and loan
Closing-side costs
Buyer concessions and prep
Estimated net proceeds
$238,875
45.5% of sale price
Total selling costs
$41,125
7.8% of sale price
Mortgage payoff
$245,000
Net before payoff
$483,875
Seller net sheet breakdown
A large share of the sale price is going to selling costs and the existing loan. Compare the commission rate, credits, and repair concessions against the fallback of waiting or refinancing.
This estimate approximates the final seller net. Real figures land on the signed closing disclosure and depend on local transfer taxes, buyer-side negotiations, and any last-minute credits.
How to Use
- Enter the expected sale price and the current mortgage payoff balance so the top and bottom of the sheet are anchored.
- Set the total agent commission — include both listing and buyer-side agent percentages in a single combined number.
- Add closing-side costs like transfer tax, title and escrow, attorney fees, HOA transfer charges, and prorated property taxes.
- Budget for concessions and prep: seller credits to the buyer, repair credits, a home warranty, and staging or listing prep.
- Review the estimated net proceeds and net percent of sale price before signing a listing agreement or pricing the home.
Frequently Asked Questions
What is a seller net sheet?
A seller net sheet is a line-item estimate that shows how much cash a seller will actually receive at closing. It starts with the sale price and subtracts commission, closing-side fees, concessions, credits, and the existing mortgage payoff.
How much do sellers usually pay in closing costs?
A common rule of thumb is 6% to 10% of the sale price when you include agent commission, transfer taxes, title and escrow, attorney fees, and typical concessions. The largest single item is usually the total commission.
Are seller concessions deducted from net proceeds?
Yes. Seller-paid closing costs, repair credits, and buyer-side credits all come out of the sale price and reduce what the seller walks away with at closing.
What happens if the mortgage payoff is more than net proceeds?
If the payoff exceeds sale price minus selling costs, the seller has to bring cash to the table or negotiate a short sale with the lender. A net sheet is the fastest way to catch this before listing.
Is this a replacement for an ALTA statement?
No. The final ALTA or closing disclosure from title is the authoritative document. This calculator is a planning tool for pricing, commission negotiations, and deciding whether to sell now or later.
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