When you sell your home, the check you receive at closing—your Seller Net Proceeds—is the fuel for your next move. Yet, many homeowners confuse their Listing Price with their actual Buying Power.
After commissions, closing costs, and payoff of your existing lien, what remains is your true equity. Applying this equity correctly can completely change the affordability of your next dream home.
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See how your Net Proceeds power your next purchase.
Your Monthly Payment
Principal & Interest • 30-Year Fixed
Loan Amount
$300,000
Total Interest
$382,633
Savings vs. 20% Down
$379/month
$136,527 over 30 years
* Estimates are for illustrative purposes only and do not include property taxes, homeowners insurance, HOA fees, or PMI. Actual payments may vary.
Why "Net" Matters More Than "Gross"
Real estate agents often talk about the "Gross Sale Price" because it sounds impressive. But your bank account only cares about the "Net." A $500,000 sale might result in $200,000 in your pocket—or only $50,000, depending on your current mortgage balance and closing costs.
Using a Net Seller Sheet gives you the hard truth before you list, allowing you to budget accurately for your next down payment.
Leveraging Proceeds to Lower Rates
In a high-interest rate environment, a larger down payment (funded by your sale proceeds) does more than just lower the loan amount. It can often unlock:
- Lower Interest Rates: Lenders often offer better rates to borrowers with lower Loan-to-Value (LTV) ratios.
- No PMI: Putting more than 20% down eliminates Private Mortgage Insurance, saving you hundreds per month.
- Buying Downs: You can use a portion of your net proceeds to "buy down" your interest rate permanently.
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