Seller planning tool
California seller net proceeds calculator
Estimate what may remain after your mortgage payoff and selling costs. Adjust the assumptions to compare price points before requesting a property-specific net sheet.
Estimate your sale proceeds
Price is not the same as proceeds.
Your mortgage payoff and transaction costs sit between the contract price and the amount available after closing. Plan with the net figure.
Local charges vary.
Transfer taxes and customary title or escrow allocations vary by county and city. A property-specific estimate should use the exact address.
Model more than one outcome.
Compare realistic sale prices and include room for repairs or credits. A range is more useful for early planning than one optimistic number.
See the costs behind a net sheet
Our hypothetical $900,000 sale example separates the loan payoff, negotiated compensation, escrow, title, transfer taxes, reports, prorations, and repair credits. See how $54,000 in assumed selling costs leaves $446,000 after a $400,000 loan payoff.
Read the itemized seller net sheet exampleHelpful answers
Seller proceeds calculator questions
How are seller net proceeds calculated?
Start with the sale price, then subtract loan payoff, negotiated broker compensation, escrow and title charges, transfer taxes, repairs, credits, liens, and prorations. This calculator groups several variable costs into planning estimates.
Are real estate commissions fixed in California?
No. Broker compensation is negotiable and should be stated in the written agreement. The calculator lets you enter a percentage for planning but does not suggest or set a rate.
Why might my escrow net sheet differ from this estimate?
Actual charges depend on the property address, county and city transfer taxes, payoff demand, title and escrow fees, tax and HOA prorations, liens, negotiated credits, and the final contract terms.
Does this calculator estimate capital gains tax?
No. Tax consequences depend on ownership, occupancy, basis, improvements, exclusions, and individual circumstances. Consult a qualified tax professional for tax advice.