Home Selling Calculator
Home Sale Net Proceeds Calculator works out Buyer closing costs and Buyer cash to close from Sale price, Title insurance premium rate and Title, settlement and escrow services. The default figures on this page give seller net proceeds of 177,200.00; change any entry and the result, the working and the sources update together.
Your figures
Updates as you typeHow this is worked out
6 steps
- Loan amount = 400000 - 80000 down = 320000
- Origination = points on the loan + flat lender fees = 4400
- Title insurance = 0.5% x 400000 = 2000
- Prepaids = 854.79 interest + 2200 tax escrow + 1500 insurance = 4554.79
- Buyer closing costs = 12664.79; cash to close = 80000 + 12664.79 - 0 credit = 92664.79
- Seller closing costs = 22800; net proceeds = 400000 - 22800 - 200000 payoff = 177200
Itemised chargestable
| label | amount | paidBy |
|---|---|---|
| Real estate commission | 20,000 | seller |
| Transfer tax (seller share) | 1,600 | seller |
| Seller title, settlement and attorney fees | 1,200 | seller |
Its 4 worked examples are re-run on every release, last on 15 September 2026. What changed
Sources and references
3 sources
Keep this result
Save it, change one figure, then compare the two
The calculation stays free. Save this scenario, adjust one assumption, save that too, and put them side by side to see exactly what the change costs you. A free account keeps 5 scenarios and 2 comparisons; Personal makes both unlimited and adds exports and private links. Nothing is saved unless you press Save.
What the Home Sale Net Proceeds Calculator calculates
Itemises buyer and seller closing costs on a property sale - origination points, lender and title charges, recording and transfer taxes, prepaid escrows, brokerage commission and concessions - and reports the buyer cash to close and the seller net proceeds.
How to use this Home Sale Net Proceeds Calculator
Enter Sale price, Title insurance premium rate, Title, settlement and escrow services and Recording / land registration fees. Buyer closing costs updates as you type. Change one figure at a time to see what drives the result.
How the result is worked out
Open “How this is worked out” beside the result for the step-by-step calculation behind Buyer closing costs, Buyer cash to close and Seller closing costs.
The method follows 12 CFR 1026.37 (Regulation Z) - Content of the Loan Estimate, 12 CFR 1026.38 (Regulation Z) - Content of the Closing Disclosure and CFPB - Understanding the Loan Estimate and closing costs.
What you can compare
Change one input at a time to see how it affects Buyer closing costs, Buyer cash to close and Seller closing costs. The inputs you can vary are Sale price, Title insurance premium rate, Title, settlement and escrow services, Recording / land registration fees, Survey and inspection fees and Transfer / stamp duty paid by the buyer.
Understanding Buyer closing costs, Buyer cash to close and Seller closing costs
An estimate built entirely from the rates you enter. Title premiums, transfer and stamp duties, recording fees and commission practice vary by state, county and contract; only the lender Loan Estimate and the settlement agent's Closing Disclosure are authoritative.
Results are general information, not financial, tax, legal, medical or engineering advice. Check any decision that matters with a qualified professional.
See something wrong? Report a problem with this calculator
Frequently asked questions
How do I calculate my profit from selling my house?
Itemises buyer and seller closing costs on a property sale - origination points, lender and title charges, recording and transfer taxes, prepaid escrows. Open “How this is worked out” beside the result to see each step for your own figures.
What is the hardest month to sell a home?
On the figures this page opens with — sale price 400,000, title insurance premium rate 0.5%, title, settlement and escrow services 900 and recording / land registration fees 150 — the seller net proceeds is 177,200. No single number fits everyone: change any figure above and the answer updates as you type, with each step of the arithmetic beside it.
How much does it cost to sell a $300,000 house?
It needs Sale price, Title insurance premium rate, Title, settlement and escrow services, Recording / land registration fees, Survey and inspection fees and Transfer / stamp duty paid by the buyer. Nothing else is required, and the figures stay in your browser.
What information do I need for the Home Sale Net Proceeds Calculator?
You need Sale price, Title insurance premium rate, Title, settlement and escrow services, Recording / land registration fees, Survey and inspection fees, Transfer / stamp duty paid by the buyer, Annual property tax and Annual home insurance. The page opens with default figures that give seller net proceeds of 177,200.00, so you can see the scale before entering your own.
What does this Home Sale Net Proceeds Calculator show?
It shows Buyer closing costs, Buyer cash to close, Seller closing costs, Seller net proceeds, Loan amount, Down payment, Origination charges and Title insurance premium, with the working and any warnings for your entries.
Can I check how the Home Sale Net Proceeds Calculator result was calculated?
Yes. The “How this is worked out” section shows the calculation steps, and the sources section identifies the references used for the method.