Why Use a Seller Net Sheet?
A Seller Net Sheet (also called a Net Proceeds Calculator or Walk-Away Calculator) is the most critical financial tool when selling a home. Unlike a Zestimate — which only shows gross estimated value — our Net Seller Sheet calculates your true “walk-away” number after deducting real estate agent commissions, title insurance, escrow fees, and your remaining mortgage payoff balance.
According to the National Association of Realtors, the average total cost to sell a home is 8–10% of the sale price. On a $450,000 home, that’s up to $45,000 in costs most sellers don’t fully account for until closing. Our free calculator gives you that number in under 60 seconds.
Customizable Closing Costs
The calculator uses national averages for a quick baseline estimate. Switch to Advanced Mode to customize title fees, transfer taxes, and attorney costs for the most accurate, location-specific results.
Commission & Repair Credits
Adjust realtor commissions (post-NAR settlement rates apply) and factor in buyer repair credits to model how negotiations affect your final bottom line before you even list.
Mortgage Payoff Integration
Enter your current mortgage balance and the calculator deducts your payoff automatically, showing you exactly what remains in equity after the bank is paid.
Instant & Free
No account, no email, no delay. Get your full seller net sheet summary in seconds — exportable as a PDF for your agent, attorney, or personal records.
Frequently Asked Questions
- What is a seller net sheet?
- A seller net sheet is a financial document that estimates how much money a home seller will receive after all costs are deducted from the sale price. It includes real estate agent commissions (typically 5–6%), title insurance, escrow fees, prorated property taxes, and mortgage payoff. It is sometimes called a 'net proceeds calculator' or 'walk-away calculator'.
- How much does it cost to sell a house?
- On average, selling a house costs 8–10% of the sale price. This includes a 5–6% real estate agent commission, 1–2% in title and escrow fees, and 1–2% in other closing costs like transfer taxes and attorney fees. On a $400,000 home, total costs typically range from $32,000 to $40,000.
- What percentage does a realtor take when selling a house?
- Realtor commissions traditionally total 5–6% of the home sale price, split between the buyer's agent and the seller's agent. However, following the 2024 NAR settlement, commission structures are more negotiable than ever. Many sellers now pay 2.5–3% to their own agent only.
- How do I calculate my net proceeds from selling a home?
- Net proceeds = Sale Price − Agent Commission − Closing Costs − Mortgage Payoff Balance − Repair Credits. For example: a $450,000 sale minus 5.5% commission ($24,750), minus $6,500 in closing costs, minus $220,000 mortgage payoff = approximately $198,750 in net proceeds.
- What closing costs does the seller pay?
- Sellers typically pay: real estate agent commissions (5–6%), title insurance for the buyer (0.5–1%), escrow or attorney fees ($500–$2,000), prorated property taxes, transfer taxes (varies by state), and any agreed repair credits. The exact amount varies by location.
- Is the Net Seller Sheet calculator free?
- Yes. The Net Seller Sheet calculator is completely free to use with no account or signup required. Enter your sale price, mortgage balance, and location to get an instant proceeds estimate. An advanced mode is available for sellers who need to customize specific fee line items.
Key Facts About Selling a Home (2024–2026)
- The median home sale price in the US in 2025 was approximately $419,000 (NAR)
- Total seller costs average 8–10% of the sale price including commissions and closing costs
- Traditional real estate commissions are 5–6%, though post-NAR settlement rates are becoming more negotiable
- The average time to close a home sale is 45–60 days from accepted offer
- Title insurance for sellers typically costs 0.5–1% of the sale price
Sources: National Association of Realtors (NAR), CFPB, Bankrate (2025 estimates)