Free tool
Seller net sheet calculator
Enter a sale price, the mortgage payoff and the main costs to see the seller’s estimated net proceeds, then print or save a one-page handout with your name on it. Everything stays in your browser — nothing you type is sent or stored.
Like quick, simple tools? Kadapt turns listing photos into short video reels.
How the net sheet is worked out
The calculator takes the sale price and subtracts five things: the mortgage payoff, the commission (the sale price times the percentage you enter), the seller’s closing costs, repairs or credits agreed with the buyer, and the property taxes the seller owes up to closing. What is left is the estimated net proceeds. The sheet also shows the commission as a dollar figure and the total costs, so the seller sees where the money goes.
Using it at the listing appointment
- Ask for the mortgage payoff figure, or the latest statement balance, before the meeting if you can.
- Run two or three sale prices and print one sheet for each, so the seller can see how the number moves.
- Use your own local estimate for closing costs and say it is an estimate; the title company supplies the real one.
- Come back to it when an offer arrives and change the price, credits and repairs to match.
What a net sheet leaves out
It does not know about per diem interest on the payoff, other liens, HOA transfer fees, transfer or recording taxes, tax owed on any gain, or costs in your area that you have not entered. Treat the result as a conversation starter and a sanity check, not a promise. Nothing here is tax, legal or financial advice.
Splitting the commission? Use the commission split calculator. Getting the home ready to list? See the home staging checklist, the price per square foot calculator and the rest of the free tools for real estate agents.
Related tools for buyers and investors: home equity calculator, refinance break-even calculator, mortgage payment calculator home buyer closing cost estimator and home selling checklist.
Planning your own income? See the income goal calculator and the marketing budget calculator.
Building comps? Use the CMA comparable sales worksheet to line up and adjust them.
Guide: How to run a CMA and adjust comparable sales.
Common questions
What is a seller net sheet?
A seller net sheet is an estimate of the money a seller would take home from a sale. It starts with the sale price and subtracts the mortgage payoff, the agent commission, closing costs, agreed repairs or credits and prorated property taxes. Agents usually share one at the listing appointment and again when an offer arrives.
How do I calculate a seller’s net proceeds?
Take the sale price and subtract the mortgage payoff, the commission (the sale price times the commission percentage), the seller’s closing costs, any repairs or credits to the buyer and the prorated property taxes the seller owes. What is left is the estimated net. The calculator does each step and shows the lines on a printable sheet.
Is the number the seller will actually receive?
No. It is an estimate built only from the figures you enter. Real closing statements include items this calculator does not know about: lender payoff and per diem interest, transfer and recording taxes, title and escrow charges, HOA fees, other liens, tax effects and local customs. The final numbers come from the title or closing company and the seller’s lender.
What should I use for prorated property taxes?
Enter the amount of tax the seller owes for the part of the tax year they owned the home, if it is still unpaid at closing. A common rough method is annual tax divided by 365, times the number of days the seller owned the home that year, less anything already paid. How taxes are billed and prorated differs by place, so check with your title or closing company. If the seller has prepaid taxes and gets a credit, enter a negative number.
Does the calculator save what I enter?
No. The prices, names and contact details stay in your browser and are not sent to Kadapt, stored, or used in analytics. The only thing counted is that someone pressed the print button, never what was on the sheet.
Can the estimate be negative?
Yes. If the payoff and costs add up to more than the sale price, the sheet shows a negative estimate and a note that the seller would need to bring money to closing or negotiate. That is useful to know before listing, not after.
Is this tax, legal or financial advice?
No. It is a simple estimating aid. It says nothing about capital gains or other taxes, the rules in your area or what a lender will charge. The seller should confirm the figures with their lender, a title or closing company and, where it matters, a tax or legal adviser.