A seller closing costs calculator shows your estimated net proceeds after all costs of selling — agent commission, transfer taxes, title fees, and your remaining mortgage balance.
Sale Details
How to Calculate Net Proceeds from Selling Your Home
This seller closing costs calculator estimates what you actually walk away with after selling. Most sellers are surprised by how much comes off the top before they see a check.
The Biggest Expense: Agent Commission
Agent commission is typically the largest single cost at 5-6% of sale price. On a $400,000 home, that is $20,000-$24,000. After the NAR settlement, commission is more negotiable than before. Always clarify whether the commission covers both listing and buyer's agent before signing a listing agreement.
Transfer Tax Varies Widely
Some states (Texas, Florida, Arizona, Colorado) have no transfer tax. Others (New York City) charge 3%+ on some properties. Make sure you know your state and local transfer tax rate — a $450,000 home in NYC could owe over $13,000 in transfer taxes alone.
Don't Forget Repairs and Concessions
Buyer inspection requests often result in seller concessions or repair credits of $2,000-$10,000 on average. Budget for this in your net proceeds calculation. You can also use the "Other Costs" field for any pre-sale repairs or staging costs.
Frequently Asked Questions
Is this seller closing costs calculator free?
Yes, completely free with no signup required. All calculations run in your browser.
How much do sellers typically pay in closing costs?
Sellers typically pay 8-10% of the sale price in total costs. Agent commission accounts for 5-6%, transfer taxes add 0.1-2.5% depending on state, and title/escrow/attorney fees add another 0.5-1%. On a $400,000 sale, expect $32,000-$40,000 in total costs before your mortgage payoff.
Can I negotiate the agent commission?
Yes, especially after the 2024 NAR settlement. Commission is negotiable and typically 2.5-3% per agent (total 5-6%). Discount brokers charge 1-2%. Some sellers list on the MLS for a flat fee ($300-$500) and offer buyer's agent commission only. Consider the trade-off between savings and service level.
What is transfer tax and who pays it?
Transfer tax (also called excise tax, stamp duty, or conveyance tax) is a state/local tax on property sales. It ranges from 0% (many states) to over 4% (some NY properties). Some states split it between buyer and seller; in others, one party pays it all. This calculator uses estimated seller-paid transfer tax rates.
What is included in title and escrow fees?
Title fees include an owner's title insurance policy (usually required by the buyer's lender), title search and examination, and closing/escrow agent fees. These typically total 0.5-1% of sale price. In some states, attorneys replace escrow agents and the fee is called attorney closing fees.
What if I owe more than the sale price?
If your mortgage balance exceeds your sale proceeds, you are in a short sale situation. You would need to negotiate with your lender to accept less than owed (short sale approval) or bring cash to closing to cover the difference. This calculator will show a negative net if you owe more than you receive.