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Seller Net Proceeds Calculator

Estimate how much money you could receive from selling your home after your mortgage payoff, commissions, closing costs, transfer taxes, and other seller expenses. This calculator is built for Miami-Dade and Broward County sellers and gives you an estimated net proceeds figure before you list or accept an offer.

Run Your Numbers

Estimate your take-home amount after fees, taxes, and loan payoffs, and compare up to three sale prices side by side. Fields marked * are required.

Estimated Net Proceeds

Enter a sale price to see your estimated net proceeds.

Want a More Accurate Net Sheet?

Your estimate is only as accurate as the sale price and expenses entered. I can prepare a personalized seller net sheet using your property's estimated market value and likely transaction costs.

Get My Personalized Net Sheet

Estimate only. Results are provided for general planning and are not a quote, settlement statement, Closing Disclosure, legal or tax advice, or guarantee of proceeds. Actual credits, prorations, loan payoffs, title premiums, taxes, assessments, commissions, fees, and other charges depend on the contract, property, parties, service providers, closing date, and final closing figures, and may change. Some applicable costs may not be included. Title insurance estimates may differ from filed rates, simultaneous-issue rates, or amounts shown on the Closing Disclosure. Confirm all figures with the appropriate title company, closing agent, lender, tax professional, and real estate broker before relying on them.

Seller Net Proceeds Calculator

Seller Net Proceeds

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CRITERIA

Estimated Net Proceeds

Alberto Labrada | Broker-Owner | 786-290-3594 | [email protected] | LabradaRealty.com

Labrada Realty LLC | License # 3111387 (FL) | Equal Housing Opportunity | All information deemed reliable but not guaranteed. For estimation purposes only. Not a settlement statement or guarantee.

How Much Will I Make Selling My House?

Net proceeds come down to one equation:

Sale price - selling expenses - loan payoffs = estimated net proceeds

The sale price gets all the attention. The other two lines decide what you actually keep. Sellers often ask me, "How much will I make selling my house?" The honest answer starts with the payoff. Equity is not cash, and a home that sells for $800,000 with a $380,000 balance does not put $420,000 in your pocket.

Three things typically shrink the check: the mortgage and any liens paid at closing, broker compensation, and the closing costs and prorations that come out of the sale price.

What Seller Costs

Does the Calculator Include?

The calculator follows the line items on a Miami-Dade or Broward seller's closing statement:

First and second mortgage payoffs
Broker compensation: the seller's commission, the buyer's commission, and the seller's broker admin fee
Title-related costs, including owner's title insurance based on who pays it (buyer, seller, or a 50/50 split), the title search fee, and the closing agent fee
Documentary stamp tax, which is the Florida tax on the deed, calculated for the county you choose
Property tax proration, your share of taxes at closing
HOA or condo costs, including the estoppel fee and proration credit, and a trust certification fee if you sign as a trust
Municipal lien search, recording, and wire fees
Up to four additional costs you enter yourself, such as repairs or seller credits

Every number can be changed and the result updates instantly. Where you do not have an exact figure, use your best estimate and refine it later with a payoff letter or your listing agreement.

How Does A

Home Sale Proceeds Calculator Work?

A home sale proceeds calculator takes your expected price, subtracts what you owe and what the sale costs, and shows what is left. The difference between tools is how they get the costs. Many generic calculators apply a flat percentage of the sale price to every home. A flat rate is fine for a rough guess and weak in Florida, where the documentary stamp tax, the title policy, and property tax prorations change with the county and the closing date.

This seller net proceeds calculator lets you choose Miami-Dade or Broward and enter your actual or estimated figure for each cost, so the result reflects your transaction, not an average.

Use the three sale-price columns in this home selling calculator to compare what you could net at different prices: your target price, a more conservative price, and a higher-price scenario. The spread shows what a price change really costs. The guide below explains what to enter in each field and where to find it.

How to Fill In Each Input

Florida Seller Closing Costs

Closing costs in Florida are a set of line items, and some of them are negotiable. The documentary stamp tax, the closing agent fee, lien and title search fees, recording and wire fees, and association estoppel fees all appear on a Miami-Dade or Broward seller's closing statement. Any home selling calculator that skips the documentary stamp tax or the title policy will overstate what you keep. Who pays for the owner's title policy is negotiable and depends on your contract, so the calculator lets you choose buyer, seller, or a 50/50 split.

The guides below cover each line and show how the costs look on a real statement.

Who Pays Closing Costs

Net Sheet Breakdown

Net Proceeds Example

Here is an example from the seller net proceeds calculator for a hypothetical Miami-Dade home with no mortgage balance, run at three sale prices. The property and every figure are illustrative, not a quote, and your numbers will differ.

Seller net proceeds calculator results comparing net proceeds at $800,000, $780,000, and $750,000 sale prices in Miami-Dade

At $800,000, estimated selling costs are $55,660 and the estimated net is $744,340. At $780,000 the net falls to $725,660, and at $750,000 it falls to $697,640. Taking $50,000 off the price reduces the net by $46,700, because costs drop by only $3,300, so each dollar you cut costs you about 93 cents.

Now add a mortgage. If this seller still owed $380,000, the $800,000 scenario would look like this:

The same payoff comes off the other two columns, leaving $345,660 at $780,000 and $317,640 at $750,000. A good home sale proceeds calculator shows that full range, not a single number. Enter your own figures in the seller net proceeds calculator above.

Frequently Asked Questions

What are net proceeds from a home sale?

Net proceeds are the money you receive at closing after the mortgage, liens, commissions, closing costs, and prorations come out of the sale price. They are not the same as equity, which ignores most selling costs. The closing agent shows the final figure on the settlement statement, so treat any home sale proceeds calculator result as planning only until you see that document.

How much will I make selling my house?

Start with your expected price, subtract your loan payoff, then subtract selling costs. In Miami-Dade and Broward, the costs that move the result most are commission, the documentary stamp tax, and the owner's title policy, depending on who pays it. Use the three sale-price columns in the home selling calculator above to compare a target price against a more conservative one, and ask your lender for a payoff letter, since interest accrues daily until closing.

Does the calculator include my mortgage payoff?

Yes. You enter your first and second mortgage payoffs, and both are subtracted at closing. If you do not know the exact figure, use your latest statement balance plus a small cushion for accrued interest, then update it once your lender issues a payoff letter.

Are real estate commissions included?

Yes. You can enter the seller's broker commission, the buyer's broker commission, and the seller's broker admin fee. Real estate compensation is negotiable and is not set by law, so use the terms in your listing agreement. On an $800,000 sale, one percentage point of commission moves your net by $8,000.

Does it calculate Florida seller closing costs?

It estimates the main seller-side items for Miami-Dade and Broward: documentary stamp tax, the closing agent fee, lien and title search fees, recording and wire fees, HOA or condo estoppel fees, and your share of property taxes. It does not cover other Florida counties, and it cannot see contract terms like repair credits, so enter those as additional costs.

Are proceeds from selling a home taxable?

Proceeds and taxable gain are different numbers. Your taxable gain is generally based on the amount realized from the sale compared with your adjusted basis, subject to applicable exclusions, adjustments, and other tax rules. Many homeowners who lived in the home for two of the last five years can exclude up to $250,000 of gain, or $500,000 for married couples filing jointly. This seller net proceeds calculator does not figure income tax. See IRS Topic 701 (set it to open in a new tab) and the guide below, then confirm with a CPA.

Capital Gains Tax

For general planning only. This is not a settlement statement, title quote, tax calculation, legal opinion, home valuation or guarantee. Costs, taxes, title charges, prorations and compensation may change. Real estate compensation is negotiable and is not set by law. The signed contract and closing agent control final charges.