Kostenloser Net Proceeds Rechner
Berechnen Sie Ihren net proceeds aus selling a home after mortgage payoff, commissions, closing costs, and repairs. See exactly what you will walk away mit.
Net Proceeds
$164,000
Net Proceeds vs Expected Sale Price
Formel
## Calculating Net Proceeds Net proceeds represent the actual cash you walk away with after selling your home. Understanding this number is critical for planning your next purchase or investment. ### Formula **Net Proceeds = Sale Price - Mortgage Payoff - All Selling Costs** ### Common Selling Costs - **Agent commission**: 4-6% of sale price - **Transfer tax**: Varies by state (0-3%) - **Title and escrow**: $1,500-$4,000 - **Repairs and concessions**: Negotiated during inspection - **HOA prorations**: Prepaid dues credited to buyer - **Attorney fees**: Required in some states ($500-$1,500) ### What Reduces Your Proceeds Selling costs typically total 7-10% of the sale price. On a $500,000 sale, expect $35,000-$50,000 in costs before receiving your check.
Lösungsbeispiel
Selling for $500,000 with $300,000 mortgage, 5% commission, 0.5% transfer tax, $2,500 title fees, $5,000 repairs, $1,000 other costs.
- 01Commission: $500,000 x 5% = $25,000
- 02Transfer tax: $500,000 x 0.5% = $2,500
- 03Title & escrow: $2,500
- 04Repairs & concessions: $5,000
- 05Other costs: $1,000
- 06Total selling costs: $25,000 + $2,500 + $2,500 + $5,000 + $1,000 = $36,000
- 07Net proceeds: $500,000 - $300,000 - $36,000 = $164,000
- 08Selling costs as % of sale: 7.2%
Häufig Gestellte Fragen
What is the biggest selling cost?
Real estate agent commissions are typically the largest selling cost, accounting for 4-6% of the sale price. On a $500,000 home, that is $20,000-$30,000. This is why some sellers explore FSBO or discount brokerage options.
Are selling costs tax deductible?
Selling costs are not directly deductible on your tax return, but they reduce your net sale price for capital gains calculations. This means commission, transfer taxes, and other selling costs lower your taxable gain.
When do I receive my net proceeds?
In most transactions, sellers receive their proceeds 1-3 business days after closing via wire transfer. Some closings provide a check at the closing table. The exact timing depends on your state and whether the buyer is using a mortgage.