Free Homeowner Resource

Seller Net Proceeds Calculator

Compare what you might keep after estimated selling costs—not just the advertised sale price. No email required. Your numbers stay in your browser.

Enter your own estimates. The four options can have different prices, expenses, timelines and risks. Figures shown initially are hypothetical examples, not market quotes or offers.

1. Shared property information

Include all loans or liens expected to be paid at closing. Obtain an official payoff statement.
Any deductions that truly apply equally to all options. Avoid double-counting.

Each option below has separate fields for closing costs, tax prorations, concessions, and additional carrying costs. Property taxes, HOA dues, escrow adjustments and liens can change final figures.

2. Compare your four options

Sell With a Realtor

Compensation is negotiable; the example is not a standard rate.

For Sale By Owner (FSBO)

Selling without a listing agent does not eliminate all transaction costs.

Renovate, Then Sell

A higher sale price does not guarantee higher net proceeds.

Direct Cash Sale

A direct offer is not guaranteed; verify buyer readiness and contract terms.

3. Estimated proceeds comparison

Important: The highest estimated proceeds are not necessarily the best choice. Compare time, effort, buyer financing, contract contingencies, uncertainty, and your circumstances. These estimates are not taxable capital gains or a closing statement.
Blank Printable Worksheet

Printing is handled by your browser. PSA does not receive the entered amounts. This page uses no analytics events containing amounts, mortgage balances, or other financial entries.

Learn about each selling method

Selling With a Realtor

Marketing, representation, negotiated fees, and contract considerations.

For Sale By Owner

Pricing, advertising, contracts, disclosures, and buyer verification.

Renovate Before Selling

Compare renovation spending against potential net proceeds.

Selling Directly for Cash

Review offer terms, timing, costs, and potential trade-offs.

Educational estimates only. Actual settlement amounts depend on contracts, title, lender payoff statements, property taxes, insurance, HOA obligations, fees, and other adjustments. Consult qualified professionals for transaction-specific legal, tax, financial, or brokerage advice.

Keep exploring

Learn About Each Selling Option

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