Estimate the cash you walk away with from selling a home — after agent commission, closing costs, and paying off the mortgage.
Net proceeds = sale price − agent commission − closing costs − mortgage payoff. Commission is typically 5–6% split between agents (though negotiable). Excludes prorated property tax, HOA dues, repairs, and any capital-gains tax on the profit. Estimate only.
The sale price isn't what you keep. Agent commissions (often 5–6%), closing costs, and your remaining mortgage all come out first. What's left — the net proceeds — is the cash that funds your next down payment or goes in the bank.
Net = sale price − commission − closing costs − mortgage payoff
It's customary but negotiable, and recent rule changes have made it more so. Even a point saved is thousands on a mid-priced home.
Maybe — but a primary residence often qualifies for a large capital-gains exclusion ($250k single / $500k married). Check the capital gains calculator and a tax pro for your situation.
Related: home equity calculator · capital gains tax calculator · mortgage payoff calculator · all free calculators.
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Yes. The Home Sale Proceeds Calculator is completely free, runs in your browser, and never asks for a signup, email, or download. Enter your numbers and the result updates instantly.
It uses standard formulas and recalculates the moment you change a value, so the math is exact for the inputs you enter. Treat the result as a reliable planning estimate; for decisions with legal or tax consequences, confirm the figures with a qualified professional.
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Last reviewed: September 2026. Free to use, no signup — Home Sale Proceeds Calculator by ToolWise Digital.
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