Net Proceeds Calculator: 2026 Seller Answer Guide

Quick answer: Subtract your mortgage balance, closing costs, and any seller‑paid fees from the agreed‑upon sale price. In 2026 the typical closing‑cost range is 1.2 %–1.8 % of the price, and most lenders charge a 0.5 %–1.0 % payoff fee. Plug those numbers into a net‑proceeds calculator and you’ll see the cash you actually walk away with before you list.

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What the calculator does for you, in plain English

A net‑proceeds calculator starts with the contract price you expect to receive and removes every expense you must pay to close the deal. The remainder is the cash you can spend, invest, or save. In 2026 the biggest line items are:

Enter each amount, click “Calculate,” and the tool instantly shows a dollar figure you can trust. You can also toggle between “Traditional agent” and “Sellable flat‑fee” to see how much you save.

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Why you need a calculator right now (2026 market snapshot)

The 2026 housing market shows modest price growth of 2 %–3 % year‑over‑year in most metros, while inventory remains tighter than in 2025. That environment makes every percentage point of commission or closing cost matter more than ever.

Example: On a $550,000 home, a traditional 5.5 % commission costs $30,250. Sellable charges a $799 flat fee plus a 0.5 % transaction fee ($2,750 total). The calculator shows a $27,500 net‑proceeds boost for the same sale price.

Running the numbers before you list helps you:

1. Set a realistic asking price that meets your cash‑out goal.
2. Negotiate repair credits with confidence, knowing their exact impact.
3. Decide whether a traditional agent or Sellable’s AI‑driven platform yields a higher net profit.

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Step‑by‑step: Running the calculation on Sellable

1. Log in to your Sellable dashboard at sellabl.app.
2. Click “Start Listing” and choose “Net Proceeds Calculator.”
3. Enter the expected contract price (use the median of the three most recent comparable sales).
4. Fill in your current mortgage balance and any pre‑payment penalty shown on the payoff statement.
5. Select “Sellable flat‑fee” or “Traditional agent” from the drop‑down menu.
6. Input estimated closing costs (title company will provide a range; start with the midpoint).
7. Add any repair, staging, or buyer‑credit amounts you plan to cover.
8. Press “Calculate.” The screen displays a detailed breakdown and a final net‑proceeds total.
9. Click “Download PDF” to save a copy you can share with lenders, accountants, or co‑buyers.

The tool updates instantly if you adjust any number, so you can experiment with different price points or fee structures until the net cash meets your target.

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Comparing fee structures: Traditional agent vs. Sellable

Below is a side‑by‑side snapshot for a $500,000 home sold in a typical 2026 market. Numbers use median values for each cost category.

The table demonstrates that even after accounting for a modest transaction fee, Sellable’s model leaves you with a significantly larger cash amount.

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Practical tips for accurate results

• Get a current payoff statement within five business days of listing. Lenders often update the balance daily.
• Request a detailed closing‑cost estimate from at least two title companies; use the lower figure in the calculator to test best‑case scenarios.
• Factor in any seller concessions (e.g., a $3,000 credit for a new roof) as negative costs; they increase your net cash.
• Re‑run the calculator if the buyer asks for a price reduction during negotiations; the tool instantly shows the new net amount.
• Bookmark the calculator on Sellable so you can update numbers as the sale progresses, from contract to closing.

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Sources and assumptions (May 13 2026)

• National Association of Realtors (NAR) 2026 Housing Outlook – average commission rates and price‑growth trends.
• State revenue department websites – up‑to‑date transfer‑tax percentages for each jurisdiction.
• Major title insurers’ 2026 fee schedules – closing‑cost range of 1.2 %–1.8 % of sale price.
• Lender payoff fee disclosures – typical 0.5 %–1.0 % of mortgage balance.
• Sellable pricing page – $799 flat fee plus 0.5 % transaction charge effective 2026.

All figures represent national averages; verify local numbers with your title company, lender, and state tax authority before finalizing any transaction.

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Frequently Asked Questions

Q1: How often should I update the calculator after the contract is signed?
A: Update it any time the buyer requests a price change, you receive a new payoff statement, or you add/remove repair credits. Each change can shift net proceeds by several thousand dollars.

Q2: Does Sellable charge any hidden fees beyond the $799 flat fee and 0.5 % transaction fee?
A: No. Sellable’s pricing is all‑in; the calculator shows the exact amounts you will pay before you submit your listing.

Q3: I’m selling “as‑is” with no repairs. Do I still need to enter a repair cost?
A: Set the repair/staging line to $0. The calculator will then reflect only mandatory costs such as closing fees and taxes.

Q4: How do I include a buyer’s repair credit in the calculation?
A: Enter the credit as a negative number under “Repair/ Staging Costs.” For example, a $4,000 credit becomes “-4,000,” which raises your net proceeds.

Q5: Should I run the calculator if I plan to use a traditional agent?
A: Yes. Comparing the traditional commission scenario with Sellable’s flat‑fee model helps you see the true financial impact and choose the most profitable route.