Home sale and net proceeds calculator

Home sale net proceeds calculator explains the net cash to you when you sell your home

Selling a house is a big decision and it’s important to know what it will mean for you. Even if you’re just exploring the idea, having an estimate of your home sale net proceeds can help with your decision. Our net proceeds calculator gives you an estimate of how much cash in hand you will have when you sell your home, and factors in the various inputs that are included when calculating the bottom line.

Use our home sale calculator to determine the net proceeds when thinking about selling your home.

• Home sale price—using various sources to determine a reasonable estimate of how much your home is worth. Using current sale prices of similar homes in your area along with past sales and market values.
• Outstanding mortgage–the amount of money that you still owe on your home is subtracted from the estimated home sale price. This provides a general idea of your home sale proceeds, excluding fees and taxes associated with selling a house. Make sure to enter your most current outstanding mortgage balance in our home sale net proceeds calculator to help determine what net cash you’ll receive after selling.
• Real estate agent commission–the fee charged by both your real estate agent and the buyer’s agent typically amounts to 5-6% of the home sale price. In most home sales, this will be split evenly between the two agents. The commission is determined by taking the percentage and multiplying by the estimated home sale price.
• Staging and preparation costs-in some instances, it is necessary to stage a house before you sell. These expenses should be factored in along with any other costs (e.g., landscaping, cleaning, etc.) related to the preparation of selling your home.
• Seller concessions-these costs are more commonly known as “closing costs” and may involve the seller picking up some or all of the buyer’s closing costs as an incentive that makes the property more attractive to the buyer. Closing costs may include loan processing fees, attorney fees, transfer taxes, title insurance costs, inspection fees and more. As the seller, these expenses would be deducted from your net proceeds of the home sale.
• Transfer taxes and other settlement fees – These are imposed by your state or local government to transfer ownership from you to the buyer and will be automatically calculated when you use our home sale and net proceeds calculator. Settlement agent fees covers the office handling the exchange of money and documents – usually by the title company or attorney. Sellers typically also pay the owner’s title insurance premium. Other miscellaneous fees may be added to your transaction.

***Disclaimer: This calculator is offered for illustrative and educational purposes only and it is not intended to replace a professional estimate. Calculator results do not reflect all loan types and are subject to individual program loan limits. All calculations and costs are estimates and therefore, Guild Mortgage (“Guild”) does not make any guarantee or warranty (express or implied) that all possible costs have been included. The assumptions made here and the output of the calculator do not constitute a loan offer or solicitation, or financial or legal advice. Please connect with a Guild loan professional for a formal estimate. Every effort is made to maintain accurate calculations; however, Guild assumes no liability to any third parties that rely on this information and is not responsible for the accuracy of rates, APRs or any other loan information factored in the calculations.