Home Sale Calculator: Estimate Your Net Proceeds

FREE HOME SALE CALCULATOR

Home Sale Calculator: Estimate Your Net Proceeds

Use our free home sale calculator to estimate how much you’ll walk away with after commissions, closing costs, and mortgage payoff. Enter your sale price to see your net proceeds instantly.

NET PROCEEDS

$156,500

HOME SALE PRICE$200,000
TOTAL COSTS TO SELL$43,500

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In a traditional home sale, the seller pays fees to both their agent and the buyer’s agent. It’s common for the total commission to be around 5-6% of the sale price.
$12,000
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This is the total cost of getting your home ready to show to potential buyers. This varies depending on whether you pay for staging, cosmetic improvements, and storage.
$8,000
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Buyers may ask sellers to pay certain costs on their behalf. The amount a buyer can request is limited by their loan type and size of their downpayment. When buyers ask for concessions, they typically ask for 0 - 2% of the home sale price.
$4,000
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These are costs you incur transitioning from one home to the next. Examples include paying for a short-term rental, paying two mortgage payments, or leasing your home back from the buyer before you move.
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2%
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Also referred to as closing costs, these fees can range from 1% to 3% of the sale price depending on where you live.
$6,000
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Once you’ve agreed to a buyer’s offer, they’ll inspect your home for defects. The buyer will usually ask you to make repairs or request a credit equal to the expected repair cost.
$
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This is how much it would cost to pay off your mortgage today. Note that this may not be the same as your current balance.
$
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Net proceeds$156,500
Home sale price$200,000
Total costs to sell$43,500

Disclosure

This calculator is offered for educational purposes only. All costs are estimates and no guarantee is made that all possible costs have been included. This calculator does not replace a professional estimate. Opendoor makes no warranties about the accuracy of these estimates. Results will vary based on your home’s location, condition, and current market conditions. For answers to common questions, visit our Help Center at help.opendoor.com. Please review our Privacy Policy (opendoor.com/privacy) and Terms of Service (opendoor.com/terms). Learn how Opendoor works at opendoor.com/how-it-works-sell.

    SELLING COSTS EXPLAINED

    What fees will reduce your home sale proceeds?

    When you sell your home, several costs reduce the amount you actually take home. Real estate agent commissions typically account for 5–6% of the sale price - the single largest expense for most sellers. Closing costs for sellers usually add another 1–3%, covering title fees, escrow, transfer taxes, and recording fees.

    If you have an outstanding mortgage, the remaining balance is paid off directly from your proceeds at closing. You may also incur costs for pre-sale repairs, staging, or pre-listing inspections depending on your home’s condition. Together, these expenses typically reduce your net proceeds by 8–10% of the total sale price. Understanding each cost upfront helps you set realistic expectations before you list.

    MAXIMIZE YOUR PROCEEDS

    Steps to get the most money from your home sale

    The gap between your sale price and net proceeds depends on costs you can control - and some you can’t. Pricing your home accurately from day one is the single most impactful factor: overpriced homes take longer to sell and often close below asking. High-return improvements like fresh paint, updated fixtures, and landscaping can meaningfully boost perceived value for a fraction of the cost.

    Timing your sale in spring or early summer typically attracts more buyers and stronger competing offers in most markets. Negotiating buyer agent commissions and comparing title and escrow providers can shave thousands off your closing costs. Choosing a selling option with lower fees — such as a low-commission agent or a direct cash offer — can further improve your bottom line. Use the calculator above to see exactly how each variable affects your final net proceeds.

    CASH OFFER VS. LISTING

    Which selling option will net you the most?

    Selling your home on the open market through an agent typically produces the highest sale price, but comes with months of uncertainty, showings, repairs, and 5–6% in agent commissions. Selling for cash to a company like Opendoor is faster - often closing in as few as 14 days — with no repairs, showings, or staging required.

    The trade-off is that cash offers may come in slightly below open market value, though savings on commissions and repair costs can close much of that gap. Many sellers find the certainty, speed, and simplicity of a direct cash sale outweigh the potential upside of a traditional listing. Use the calculator above to compare both scenarios by adjusting the commission rate and estimated sale price. Opendoor operates in over 50 markets across the US — enter your address to get a free, no-obligation cash offer.

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Frequently asked questions


How can I calculate how much money I'll make from selling my house?

To calculate how much money you'll make, start by estimating your home's selling price and subtracting key expenses like your remaining mortgage balance, real estate commissions, closing costs, and potential repair or staging costs. The result is your net proceeds, or the actual amount you'll take home after the sale. A home sale calculator can make this process easier by automatically estimating these costs for you. Read more: How much does it cost to sell a house


What is a home sale profit calculator?

A home sale profit calculator helps you understand your potential financial outcome before listing your home. By entering details such as your home's estimated value, mortgage payoff amount, and expected closing costs, you can see an approximate profit after the sale. It's a valuable tool for planning your next move or deciding if now is the right time to sell. Read more: How to accurately estimate your home's value


What's the difference between the sale price and the net proceeds?

The sale price is the total amount a buyer agrees to pay for your home. Your net proceeds represent what you actually receive after subtracting selling expenses such as agent commissions, closing costs, taxes, and mortgage payoff. The difference between these two numbers shows the true financial return from your sale. Read more: Hidden fees when selling a house


How do I estimate my home sale closing costs?

Closing costs typically range from 6–10% of your home's sale price. These include agent commissions, escrow fees, title insurance, and transfer taxes. You can estimate them by reviewing your local real estate averages or by using a closing cost calculator for sellers. Accounting for these early helps you set realistic expectations for your profit. Read more: How much does it cost to sell a house


How do I find out how much my home is worth before selling?

You can estimate your home's worth through several methods: researching recent sales in your neighborhood, using an online home value estimator, or requesting a professional appraisal or comparative market analysis (CMA). Your home's location, size, and condition all play major roles in determining its current market value. Read more: Factors that influence home value


What improvements can increase my home's resale value?

Strategic upgrades can make a big difference when selling. Fresh interior paint, updated kitchen and bathroom fixtures, energy-efficient lighting, and improved landscaping can all increase appeal and boost resale value. Focus on cost-effective improvements that deliver the highest return. Read more: Improvements that increase home value


Should I repair my house before selling?

Yes — addressing small issues before listing can make your home more appealing and help you sell faster. Buyers often notice visible problems like cracked tiles, leaky faucets, or peeling paint, which can lead to lower offers. Focus on repairs that improve first impressions without overinvesting in major renovations. Read more: Things to repair before selling a house


What costs are included in a seller's closing cost calculator?

A seller closing cost calculator typically includes agent commissions, title and escrow fees, transfer taxes, title insurance, attorney fees (if applicable), and any agreed-upon repair credits. Including all these elements ensures a clear picture of how much you'll actually receive after the sale closes. Read more: Hidden fees when selling a house


What's the best way to estimate the cost of selling my house?

The easiest approach is to use a cost of selling a house calculator, which aggregates all your likely expenses. Factor in commission rates, average closing fees in your area, and any costs related to staging or repairs. This gives you a complete view of your financial outcome before putting your home on the market. Read more: How much does it cost to sell a house


How fast can I sell my house for cash?

Selling a house for cash can take as little as 7–14 days, depending on the buyer and required paperwork. Because there's no mortgage approval process, cash transactions close much faster and involve fewer contingencies. This option is ideal for sellers who need to move quickly or avoid costly repairs. Read more: Sell your house for fast cash with Opendoor


Should I sell to an investor or list on the open market?

Selling to an investor is faster and requires less preparation, but you might earn less money. Listing on the open market usually brings a higher price but involves more time, showings, and potential repairs. The right choice depends on your timeline, financial goals, and property condition. Read more: How to sell your house for the most money


How long does it take to sell a house?

Most homes sell within 30 to 90 days, depending on local demand, price, and condition. Homes priced competitively and well-presented tend to move faster, while overpriced or neglected properties can sit on the market longer. Read more: How long does it take to sell a house


When is the best time to sell a house for maximum profit?

Generally, spring and early summer are the best seasons to sell, as buyer demand and prices peak. However, ideal timing varies by location and market conditions, so tracking local trends can help you make the most profitable decision. Read more: When is the best time to buy a house


What's the difference between a home sale calculator and a mortgage payoff calculator?

A home sale calculator estimates your net proceeds after selling, while a mortgage payoff calculator focuses on how much you still owe on your home loan. Using both together gives you a full understanding of how much equity you've built and what you'll walk away with after the sale. Read more: 7 steps to calculate how much house you can afford


What should I do before listing my home for sale?

Before listing, declutter each room, deep clean, and make minor repairs. Stage the home with neutral décor, ensure good lighting, and take high-quality photos. A well-prepared home attracts more buyers and can command higher offers. Read more: How to prepare your house for sale


How can I sell my house without a realtor and still calculate my profits?

You can sell your home For Sale by Owner (FSBO) by handling marketing, negotiations, and legal paperwork yourself. To understand your financial outcome, use a home sale proceeds calculator and include costs for photography, listings, and legal services that agents usually cover. Read more: Sell your house without a realtor


If I sell my house for $300,000, how much will I get?

If your home sells for $300,000, your net proceeds depend on your mortgage balance and the selling costs you incur. A typical 5–6% agent commission comes to $15,000–$18,000. Closing costs for sellers average another 1–3%, or roughly $3,000–$9,000. If you still owe $200,000 on your mortgage, that balance is paid off at closing. In this example, you could walk away with approximately $73,000–$82,000 before accounting for any repair credits or concessions. Use the home sale calculator above to enter your specific numbers for a personalized estimate. Read more: How much does it cost to sell a house


How much do you lose when you sell a house for cash?

Selling your house for cash typically results in a lower sale price than a traditional listing — often 5–15% below market value, depending on your market and the buyer. However, you save on agent commissions (5–6%), avoid repair costs, skip staging and showings, and close much faster. When you account for these savings, the net proceeds difference between a cash sale and a traditional listing is often smaller than sellers expect. For many homeowners who need to sell quickly or want to avoid the listing process, the convenience and certainty of a cash sale outweigh the price difference. Read more: Sell your house for fast cash with Opendoor


How do I calculate my home equity before selling?

Your home equity is the difference between your home's current market value and the total amount you still owe — your mortgage balance plus any home equity loans or liens. To estimate it, start with your home's estimated market value from an online tool, a recent appraisal, or comparable nearby sales. Then subtract your remaining mortgage balance from that figure. The result is your equity, and it represents the maximum you could potentially walk away with before selling costs are subtracted. Use the home sale calculator above to deduct commissions and closing costs from your equity to estimate your actual net proceeds. Read more: How to accurately estimate your home's value


Do I pay capital gains tax when I sell my home?

Most homeowners who sell their primary residence can exclude up to $250,000 in capital gains from taxes ($500,000 for married couples filing jointly), provided they've owned and lived in the home for at least two of the last five years. If your profit exceeds the exclusion, or the home is not your primary residence, the excess gain is taxable at capital gains rates. Home improvements and selling costs can reduce your taxable gain. Consult a tax professional to understand your specific situation before selling. Read more: Taxes on selling a house


What is a seller's net sheet?

A seller's net sheet is a document — usually prepared by your real estate agent or title company — that estimates how much money you'll actually receive after your home sells. It lists your expected sale price, then deducts the outstanding mortgage balance, agent commissions, closing costs, taxes, and any other fees. Unlike a simple calculator, a net sheet is personalized to your property and local market. It's one of the most useful documents to review before accepting an offer, as it lets you compare different offers on an apples-to-apples basis after all costs are accounted for. Read more: Hidden fees when selling a house


How does the Opendoor home sale calculator work?

The Opendoor home sale calculator estimates your net proceeds by starting with your home's expected sale price and subtracting typical selling costs: real estate commissions, closing costs, and mortgage payoff. You can adjust the inputs to model different scenarios — for example, comparing a traditional agent sale (5–6% commission) versus a cash offer with lower fees. The result gives you an estimated range of what you'll walk away with. For a more accurate, personalized number, enter your address to receive an actual cash offer from Opendoor with transparent fees.


What percentage of the sale price does a seller keep?

On average, sellers keep approximately 85–90% of the final sale price after all costs are accounted for. The remaining 10–15% typically covers: real estate agent commissions (5–6%), closing costs (1–3%), and any repair credits or concessions agreed upon with the buyer. The exact percentage varies based on your local market, how you sell, your mortgage payoff amount, and any fees specific to your transaction. Use the home sale calculator above to model your specific numbers and see exactly how much you'll keep from your sale. Read more: How much does it cost to sell a house