Net Proceeds Calculator

Net proceeds is the actual cash you walk away with at closing — sale price minus everything else (mortgage payoff, agent commissions, closing costs, repair credits, holding costs while listed). The sticker price almost never matches what hits your bank account, especially on the agent-listing path.

Standard agent commission is 5-6% of sale price (you pay both sides — your agent and the buyer's agent). Add 1-3% seller closing costs (title insurance, transfer tax, escrow), 0-3% in buyer-requested repair credits after inspection, plus ongoing mortgage/tax/insurance/utilities while the home sits on market. On a $300k home, those fees and carrying costs commonly add up to $25k-$40k.

Usually, yes — typically 70-85% of after-repair value depending on condition. But "lower offer" is not the same as "less money in your pocket." A cash offer of $240k with $0 in fees can net more than a $275k agent sale that loses $35k to commissions, repairs, and holding costs. This calculator shows you the apples-to-apples comparison.

Anything you keep paying while the home sits unsold: mortgage payment (principal + interest + escrow), property tax, homeowner's insurance, HOA dues, utilities (gas/electric/water), basic upkeep (lawn care, snow removal). For most owner-occupied homes this is $1,500-$3,500/month. Vacant properties also see higher insurance and may need additional vacancy riders.

National median is currently around 40-55 days from list to close, but that's the headline number. The real timeline includes pre-list prep (1-4 weeks), days on market (varies wildly by condition and price), under-contract period with inspection/financing/appraisal contingencies (30-45 days), and then closing. Worst-case distressed properties can take 6+ months. Cash buyers can close in 7-21 days.

Tax effects (capital gains, Section 121 primary-residence exclusion if you qualify, depreciation recapture if it was a rental) — see our capital gains calculator. Also: agent could negotiate higher than your estimated sale price, inspections might turn up bigger repairs than budgeted, the home might not sell at all. The model assumes the agent listing actually closes at your estimated price.

When your home is in genuinely good condition, you have time (3-6+ months), you can stage and show it, and you live in a strong seller's market. In that scenario the higher gross sale price overcomes the fee drag. The math tips the other way fast when the home needs work, time is short, or carrying costs are high.