Seller Net Proceeds Calculator
See your estimated take-home at closing — and how much equity a flat-fee listing keeps in your pocket versus a percentage commission. Adjust any number; the results update live.
Versus a 3% listing-side compensation on a $400,000 sale. Buyer-broker compensation (if any) is separate and applies either way. An illustration, not pricing advice; closing costs vary.
Compensation is negotiable and is not set by law. Defaults are illustrations only.
How your net proceeds are calculated
Net proceeds = sale price − mortgage payoff − closing costs − listing-side compensation − any buyer-broker compensation. Listing-side compensation and buyer-broker compensation are separate, separately-negotiated figures — the calculator keeps them apart so nothing gets rolled into a single misleading number. Your listing-side compensation is the line you really control: a traditional listing agent is typically ~2.5–3% and scales with your price, while a flat fee stays the same no matter what your home sells for, so on higher-priced homes that difference grows. Compensation is negotiable and is not set by law.
Common questions
How do I calculate my net proceeds from selling a house?
Start with the sale price, then subtract your remaining mortgage balance, closing costs (title, transfer taxes, recording), your listing-side compensation (a percentage or a flat fee), and any separately-negotiated buyer-broker compensation. What remains is your estimated net proceeds.
How much can I save with a flat-fee listing instead of a percentage?
The savings is roughly your listing-side compensation minus the flat fee. On a $400,000 home, a 3% listing-side compensation is about $12,000; a flat fee is a fraction of that, so most of the difference stays with you. Buyer-broker compensation, if any, is negotiated separately and applies either way. Figures are illustrations, not pricing advice, and compensation is negotiable and not set by law.
Do I still pay closing costs with a flat-fee listing?
Yes. Closing costs apply whether or not you use an agent, so the calculator applies them to both scenarios. They're handled by a title company or real estate attorney at closing.
Is this calculator financial advice?
No. It's an educational estimate using figures you enter. LMH Venture Group LLC d/b/a ListMyHomes.com™ is a licensed Tennessee real estate firm that acts only as a neutral facilitator and does not provide financial, legal, tax, or appraisal advice.
This calculator provides educational estimates only, using figures you enter — it is not financial, legal, tax, or appraisal advice. LMH Venture Group LLC d/b/a ListMyHomes.com™ is a licensed Tennessee real estate firm that acts only as a neutral facilitator. Commissions are always negotiable; closing costs vary by location and transaction. Consult a licensed professional for your specific situation.