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

You could walk away with $245,000 from a $350,000 sale— but only after you subtract the mortgage payoff, closing costs, and any commission you choose to pay. A net‑proceeds calculator lets you plug those line items in, so you know exactly how much cash lands in your bank on May 13 2026.

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Quick‑Answer Overview

Enter the sale price, outstanding loan balance, and typical fee ranges into a spreadsheet‑style calculator. Subtract the low, typical, and high estimates shown in the table below, then add any seller‑paid credits. The result is your net cash‑outflow. Using Sellable (sellabl.app) gives you a built‑in calculator that updates automatically as you adjust each line item, so you can see the impact of every decision in real time.

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Core Line Items You Must Include

*Tax rates vary by county; use your local assessor’s schedule.

How to use the table:

1. Identify your actual numbers (mortgage balance, any penalties).
2. Choose a scenario—low, typical, or high—based on how you plan to market and what concessions you expect.
3. Subtract the total from the sale price.

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Step‑by‑Step Net‑Proceeds Calculation

1. Gather sale price – e.g., $350,000.
2. Enter mortgage payoff – $210,000 principal, $0 penalty.
3. Select commission model – FSBO via Sellable = $0 commission; add Sellable platform fee instead.
4. Add mandatory closing costs – title, escrow, taxes from the table.
5. Factor optional items – staging, repair credits, moving costs.
6. Compute net – Sale price minus all line items = cash out.

Example (Typical Scenario)

• Sale price: $350,000
• Mortgage payoff: $210,000
• Sellable fee: $499 + 1 % ($3,500) = $3,999
• Title insurance: $1,200
• Escrow: $450
• Taxes: $500
• Repair credit: $1,000
• Staging: $500
• Moving: $700

Total deductions: $217,849
Net proceeds: $132,151

When you switch the commission column to a traditional 5 % agent fee, the total deductions rise to $251,849 and net proceeds fall to $98,151. The side‑by‑side comparison makes the financial trade‑off crystal clear.

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Low‑Typical‑High Comparison at a Glance

The table shows that even modest optional costs can shave $2,000–$3,000 off your bottom line. If you’re comfortable handling buyer inquiries yourself, the low scenario demonstrates the maximum cash you could keep.

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How Sellable Makes the Process Faster

• Instant calculations – The dashboard mirrors the table above, updating totals the moment you change a field.
• AI‑generated buyer leads – Sellable’s lead desk routes qualified inquiries straight to your inbox, eliminating the need for a bulky CRM.
• Flat‑fee pricing – You pay a $499–$799 platform fee plus 1 % of the sale, a fraction of the 5–6 % commission most agents charge.
• Document hub – Upload the payoff statement, inspection reports, and title docs directly to the platform; the system pulls data into the calculator automatically.

If you prefer a traditional agent, plug their commission into the “Real estate commission” row and compare. The numbers often reveal a $10,000–$15,000 advantage for a DIY sale on Sellable.

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Common Pitfalls and How to Avoid Them

Addressing each item before you list prevents surprise deductions on closing day.

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Sources and Assumptions

• National Association of Realtors (NAR) 2026 commission benchmark – used for typical 5–6 % range.
• County assessor websites (2026) – provide recording and transfer tax rates.
• Title insurance carriers’ 2026 pricing sheets – reflect low‑typical‑high brackets.
• Sellable pricing page (2026) – flat fee and 1 % transaction charge.

Local market conditions can shift these numbers. Verify your county’s tax schedule and your lender’s pre‑payment penalty policy before finalizing.

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Frequently Asked Questions

1. How accurate is the Sellable net‑proceeds calculator?
It pulls current 2026 tax rates, title insurance quotes, and Sellable’s fee schedule, then lets you input your exact mortgage balance. Accuracy depends on the numbers you provide; the tool updates instantly if you change any entry.

2. Do I still need a title company if I list on Sellable?
Yes. Title insurance and settlement services are mandatory in most states. Sellable partners with vetted title agents and displays their fees in the calculator.

3. Can I add a buyer‑paid commission to my listing?
You can list a “buyer’s agent commission” of any amount. Enter it as a separate line item in the calculator; the net‑proceeds figure will reflect the deduction.

4. What if my mortgage has a pre‑payment penalty?
Enter the exact penalty amount in the “Pre‑payment penalty” field. The calculator treats it as a fixed cost, so you see its impact on net cash.

5. How does Sellable handle repair credits?
You list the credit amount you plan to offer the buyer. The calculator subtracts it, giving you a realistic net‑proceeds estimate before you negotiate.