Seller Net Sheet Calculator

How to use this calculator

Enter the sale price and the mortgage payoff, then the agent commission and seller-paid closing as percentages, plus any repairs, concessions, or other costs. The calculator totals the selling costs and shows the net proceeds the seller walks away with.

What the metrics mean

• Net proceeds — what the seller receives after payoff and all selling costs.
• Mortgage payoff — the remaining loan balance settled at closing.
• Agent commission — the brokerage fee, charged as a percent of the sale price.
• Concessions — credits or repairs the seller agrees to cover for the buyer.

Frequently asked questions

What is a seller net sheet?

A net sheet is an estimate of what a seller walks away with after a sale: the sale price minus the mortgage payoff, agent commission, seller-paid closing costs, repairs, and concessions.

How do you calculate net proceeds?

Net proceeds = sale price − mortgage payoff − selling costs. Selling costs include commission (a percent of price), seller-paid closing costs, and any repairs or concessions you agree to.

How much are seller closing costs?

Agent commission is the largest piece, often 5–6% of the price, split between sides. Seller-paid closing costs and transfer taxes typically add another 1–3% depending on the state.

Does the net sheet include property tax proration?

This estimate focuses on the major costs and excludes prorated property tax and any prepayment penalty. Your final closing statement will reflect those adjustments.

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