Follow the default numbers.
With sale price of $500,000, the model gives estimated net sale proceeds: $217,000.
The formula is sale price − debt payoff − selling costs. Open the breakdown to trace expenses and assumptions. Change one input at a time to see how your decision changes. This example uses scenario inputs; it is not an offer, tax bill, appraisal or legal determination.
Proceeds are the cash from closing
The quick home-sale estimate subtracts mortgage payoff and the entered selling costs from the sale price. Commission is calculated separately for the listing side and agreed seller-paid buyer representation. Both rates are negotiable inputs. The state transfer schedule and any entered local rate are included; unknown title or recording charges require a real quote.
Cash and profit are different
Mortgage payoff reduces your cash proceeds but does not reduce taxable gain. A large mortgage can leave a seller with little cash while the property still has a taxable gain. Acquisition basis and qualifying improvements belong in the profit and tax calculation. The detailed net sheet adds property-tax proration and a tax reserve for a more complete budget.
Before you list
Obtain a dated payoff statement and title quote, check post-sale tax consequences and confirm the actual negotiated listing agreement. Tax liens, unpaid HOA balances and other encumbrances are not discovered by this calculator. Repairs and buyer concessions should reflect the proposed contract. Save the result, then move into the detailed seller net sheet to reconcile each closing cost.
Keep your assumptions with the result
Save the calculation to your deal file to reuse compatible inputs in another tool. The file stays in this browser on this device. Download the CSV to open the complete inputs, results and schedule in Excel or Google Sheets. Use PDF to print the report or save it as a PDF. A share link includes entered financial figures in its URL, so use it only with people you intend to share those numbers with.