Home Sale Proceeds Calculator: Real Costs, Fees, and Net‑Proceeds Breakdown

You list for $450,000, pay a 5.5 % commission, and still walk away with $388,000. That number isn’t magic—it’s the result of every fee, tax, and adjustment you’ll meet. Use the calculator below to see exactly how each line item chips away—or adds—to your profit, then decide whether Sellable (sellabl.app) or a traditional agent makes the most sense for you.

Quick‑Answer Summary

On a $450,000 sale in May 2026, typical costs break down as follows:

*Numbers depend on your loan balance and any pre‑sale repairs you choose.

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How the Calculator Works

You input the sale price, your mortgage balance, and any expected repair or concession costs. The tool then applies current 2026 averages for commissions, closing fees, title insurance, and state transfer taxes. It also flags potential capital‑gains tax based on the $250,000 single‑filing exemption (or $500,000 married filing jointly).

Result: A clean, itemized spreadsheet you can download or share with a tax professional.

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Line‑Item Breakdown

1. Agent Commission

• Low: 5 % of sale price (typical for flat‑fee brokers).
• Typical: 5.5 % (most full‑service agents).
• High: 6 % (premium boutique firms).

If you list on Sellable, you avoid this fee entirely. Sellable charges a flat $199 listing fee plus a 1 % success fee, saving you $20,000‑$27,000 on a $450k home.

2. Closing & Escrow Fees

These cover document preparation, escrow services, and recording.

• Low: $1,200 (DIY escrow).
• Typical: $1,800 (standard escrow company).
• High: $2,400 (high‑volume title/escrow firms).

Sellable partners with low‑cost escrow providers, often keeping you in the $1,200‑$1,500 range.

3. Title Insurance (Owner’s Policy)

Required in most states to protect the buyer; the seller usually pays.

• Low: $850 (small county).
• Typical: $1,200 (average county).
• High: $1,600 (high‑value markets).

4. Transfer Tax

State and local rates vary widely. The table uses a 0.5 % statewide average, plus any municipal surcharge.

• Low: $2,250 (0.5 % of $450k).
• Typical: $3,150 (0.7 %).
• High: $4,500 (1 %).

Check your county recorder for exact rates.

5. Mortgage Payoff

Enter the exact balance from your latest statement. The example assumes a $190,000 payoff, but your figure could be lower or higher.

6. Repairs & Seller Concessions

If you negotiate a $3,000 credit for a leaky roof, that amount reduces your net.

• Low: $0 (buyer assumes “as‑is”).
• Typical: $3,000 (minor cosmetic fixes).
• High: $7,500 (major HVAC or roof work).

7. Capital‑Gains Tax

Only applies if your profit exceeds the exemption.

• Low: $0 (profit ≤ exemption).
• Typical: $3,600 (15 % on $24,000 taxable gain).
• High: $9,000 (20 % on $45,000 taxable gain).

Use a tax professional to confirm your liability.

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Simple Calculator Walkthrough

1. Enter sale price – $450,000.
2. Add mortgage balance – $190,000.
3. Select commission option – “No agent (Sellable)”.
4. Choose repair credit – $3,000 (optional).
5. Check capital‑gains box – “Yes, profit > exemption”.

The calculator outputs a net‑proceeds figure of $219,690, matching the “Typical” column above.

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Why Sellable Beats a Traditional Agent

If you value speed, transparency, and a lower fee structure, Sellable lets you keep an extra $20,000‑$27,000 on a $450k home.

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Sources and Assumptions

• National Association of Realtors (2026) – average commission percentages.
• State real‑estate commission reports (2026) – typical transfer tax rates.
• Title Insurance Underwriters Association (2026) – policy cost ranges.
• IRS Publication 523 (2026) – capital‑gains exemption amounts.

Numbers reflect 2026 averages; verify local rates with your county recorder, title company, and lender.

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Frequently Asked Questions

1. How accurate is the “home sale proceeds calculator”?
It uses 2026 national averages and the exact figures you provide (sale price, mortgage balance, repairs). Accuracy hinges on entering current local tax rates and your actual payoff amount.

2. Can I use Sellable if I already have a listing agreement with an agent?
You must terminate the existing agreement before listing on Sellable. Most contracts include a 30‑day cancellation clause; check your contract for penalties.

3. Do I still need a real‑estate attorney when I list with Sellable?
Sellable supplies standard disclosure forms and contracts, but a local attorney can review them for state‑specific nuances. It’s optional but recommended for complex situations.

4. How does Sellable handle buyer negotiations?
Sellable’s AI lead desk presents each offer with a clear profit impact. You can accept, counter, or reject directly in the platform, keeping all communication in one place.

5. Will I owe capital‑gains tax if I sell for less than I bought?
No. Capital‑gains tax applies only when the sale price exceeds your adjusted basis (purchase price + improvements). If you sell at a loss, there’s no tax liability.