Calculator Documentation
Seller Net Sheet
What you actually walk away with when you sell, state by state
Schema version 1.0.0 · Category: mortgage
Inputs
The Sale
Price and location
| Field | Type | Default | Notes |
|---|---|---|---|
| Sale Price | currency | $500,000 | Expected sale price |
| State | select | 0.70,0.35 | Sets estimated seller-side transfer tax and closing customs for your state |
| Total Commission | percentage | 5.50% | Listing + buyer agent commission (negotiable post-NAR settlement) |
Mortgage Payoff
What the lender collects at closing
| Field | Type | Default | Notes |
|---|---|---|---|
| Mortgage Balance | currency | $280,000 | Principal balance on all loans against the home |
| Accrued Payoff Interest | currency | $800 | Per-diem interest to the payoff date (roughly one month of interest) |
Credits & Fees
Concessions and extras
| Field | Type | Default | Notes |
|---|---|---|---|
| Seller Concessions | currency | $0 | Credits to the buyer (repairs, closing cost help, rate buydown) |
| Other Fees | currency | $500 | HOA transfer, home warranty, attorney extras |
| Transfer Tax Override | currency | $0 | Know your exact transfer tax? Enter it to replace the state estimate. |
Calculations
Every figure this calculator produces, in evaluation order. Formulas reference input ids, parameters, and earlier calculations.
commissionTotal agent commission
salePrice * commissionPercent
estimatedTransferTaxState-estimated seller transfer/excise tax
salePrice * stateTransferTaxPct / 100
transferTaxTransfer tax used (override wins when provided)
if(transferTaxOverride > 0, transferTaxOverride, estimatedTransferTax)
sellerClosingCostsSeller-side title, escrow, and closing per state custom
salePrice * stateSellerClosingPct / 100
totalSellingCostsEverything the sale costs you
commission + transferTax + sellerClosingCosts + sellerConcessions + otherFees
totalPayoffFull lender payoff including accrued interest
mortgagePayoff + payoffInterest
netProceedsCash to the seller at closing
salePrice - totalSellingCosts - totalPayoff
proceedsPercentProceeds as a share of sale price
(netProceeds / salePrice) * 100
costPercentSelling costs as a share of sale price
(totalSellingCosts / salePrice) * 100
underwaterFlag: sale does not cover costs + payoff (0 = positive proceeds)
if(netProceeds < 0, 1, 0)
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