Home Sale Proceeds Calculator
Net proceeds · Selling costs · Profit after payoff
Both sides: typically 5–6%
Title, escrow, attorney: avg 1–3%
Staging, fixes, updates
Varies by state & county
For profit calculation
Renovations you paid for
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Gross Proceeds
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Total Selling Costs
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Net Proceeds
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Taxable Gain Est.
About This Calculator
The Home Sale Proceeds Calculator shows exactly how much money you'll take home after selling a property. Many sellers are surprised by how much the selling costs reduce their net proceeds.
Typical selling costs as a percentage of sale price: Agent commissions: 5–6% (often the largest cost), Closing costs: 1–3% (title insurance, escrow, attorney fees), Transfer taxes: 0.1–2% (varies enormously by state and county), plus any pre-sale repairs or staging costs.
On a $500,000 sale with 6% commission and 2% other costs, you'll pay $40,000 in selling costs — before paying off the mortgage. Always calculate your net proceeds before committing to a sale price.
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Frequently Asked Questions
How much does it cost to sell a house?▼
Total selling costs typically run 8–10% of the sale price. The breakdown: agent commissions (5–6%), closing costs (1–3%), pre-sale repairs and staging (0.5–2%), and transfer taxes (varies by location). On a $400,000 home, expect $32,000–$40,000 in selling costs.
What are typical seller closing costs?▼
Seller closing costs include: title insurance ($1,000–$4,000), escrow/closing fees ($500–$2,000), attorney fees (if required by state), pro-rated property taxes, HOA fees, recording fees, and any outstanding liens. These typically total 1–3% of the sale price, in addition to agent commissions.
Do I pay capital gains tax when selling my home?▼
Primary residence exclusion: single filers can exclude up to $250,000 of capital gains; married filing jointly can exclude up to $500,000. You must have lived in the home for 2 of the last 5 years. Investment properties don't qualify — they're subject to capital gains tax (0%, 15%, or 20% depending on income).
Can I negotiate agent commissions?▼
Yes. The 2024 NAR settlement changed how buyer's agent compensation works — sellers are no longer automatically required to offer buyer's agent compensation through the MLS. Commissions are now more negotiable. Interview multiple agents, compare commission structures, and consider what services each offers.
What repairs should I make before selling?▼
Focus on repairs with high ROI: fresh paint (100%+ ROI), landscaping and curb appeal, fixing obvious defects (leaky faucets, broken fixtures), deep cleaning, and decluttering. Avoid over-improving — major renovations rarely fully recoup their cost at sale. Ask your realtor what buyers in your market expect.
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