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 5.5% listing commission on a $400,000 sale. An illustration, not pricing advice; commissions are always negotiable and closing costs vary.
How your net proceeds are calculated
Net proceeds = sale price − mortgage payoff − closing costs − the cost to list. The cost to list is the only line you really control: a traditional listing commission scales with your price, while a flat fee stays the same no matter what your home sells for. On higher-priced homes, that difference grows.
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), and the listing cost — either a percentage commission or a flat fee. What remains is your estimated net proceeds.
How much can I save with a flat-fee listing instead of a commission?
The savings is roughly the listing commission minus the flat fee. On a $400,000 home, a 3% listing commission is about $12,000; a flat fee is a fraction of that, so most of the difference stays with you. Figures are illustrations, not pricing advice.
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. ListMyHomes.com is a licensed brokerage 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. ListMyHomes.com is a licensed brokerage 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.