Calculadora de Receita Líquida de Venda — Formula

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.

    Exemplo Resolvido

    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.

    1. Commission: $500,000 x 5% = $25,000
    2. Transfer tax: $500,000 x 0.5% = $2,500
    3. Title & escrow: $2,500
    4. Repairs & concessions: $5,000
    5. Other costs: $1,000
    6. Total selling costs: $25,000 + $2,500 + $2,500 + $5,000 + $1,000 = $36,000
    7. Net proceeds: $500,000 - $300,000 - $36,000 = $164,000
    8. Selling costs as % of sale: 7.2%