Seller Net Proceeds Calculator

Your net proceeds are what's left after your mortgage payoff and selling costs. Estimate yours before you list, so you can plan your next move.

These numbers are estimates only and may not be accurate. They depend on your real interest rate, credit, income and the home's actual taxes and insurance. Contact us for accurate figures; it's free and there's no obligation. The starting interest rate (6.5%) is an example only, not a quote: your rate depends on your credit, loan type, down payment and the market, and can be higher or lower. Change it to see the difference.

Sale and mortgage

Expected sale price ($)

Mortgage payoff balance ($)

Selling costs

Listing agent commission (%) example, negotiable

Buyer's agent compensation (%) example, if offered

Owner's title & settlement (%)

Repairs or credits to buyer ($)

Annual property tax ($ per year) from your tax bill

Estimated closing date

Other: HOA, payoff fees, moving ($)

Include Florida deed stamps (0.70% of the price)

Escrow refund (if your payment includes taxes and insurance)

Escrow account balance ($, guess) on your mortgage statement

Your lender usually refunds what's left in escrow a few weeks after closing. It isn't part of the closing figures, so we show it separately.

Estimated net proceeds

$—

Mortgage payoff
Commissions
Florida deed stamps
Title & settlement
Property taxes owed to closing
Repairs, credits, other
Total selling costs

Plus escrow refund after closing
Net including escrow refund

Estimates only. Contact us for accurate figures: free, no obligation.

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What's next?

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Common questions

How much will I walk away with when I sell?

Start with the sale price, then subtract your mortgage payoff, agent commissions, Florida deed stamps (0.70% of the price in most counties), title and closing fees, any repairs or credits agreed with the buyer, and prorated property taxes. What's left is your net proceeds.

Are agent commissions fixed?

No. Commissions are negotiable, and since 2024 how the buyer's agent is paid is agreed separately. The percentages in this calculator are examples only; enter the figures you agree.

Who pays for the owner's title policy in Florida?

It varies by county and by what the contract says. In much of Central Florida the seller customarily pays, but check your contract.

What are prorated property taxes?

Florida property taxes are paid in arrears, so the seller usually credits the buyer for taxes from January 1 to the closing date. The calculator works this out from your annual tax and estimated closing date.

Estimates for planning only. Commissions are negotiable and not set by law. Costs vary by county and contract.

Educational information only. This page gives general information to help you learn and plan. It is not legal, tax, financial or other professional advice, or an offer to lend. For advice on your situation, talk to a licensed professional. Terms of use

Seller Net Proceeds Calculator

Sale and mortgage

Selling costs

Escrow refund (if your payment includes taxes and insurance)

What's next?

Common questions

Your next step: Get it ready

Get a precise net sheet