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How Much Would You Actually Walk Away With?
The sale price is not the check. This is the sale price minus everything that comes out of it at the closing table.
Every seller eventually meets the settlement statement — the page at closing where the sale price shrinks line by line into the amount actually wired to you. This calculator is that page, in advance.
Enter the expected sale price and what's owed on the house, adjust the cost assumptions if you know better ones, and the calculator shows the walk-away figure and exactly which lines took the difference.
Request the payoff quote from your servicer — it runs higher than the statement balance.
HELOCs, tax liens, association arrears, judgments. A title search finds them.
Zero for a direct cash sale with no listing agent.
Title, escrow, transfer taxes, prorations. Varies by state.
What the inspection negotiation costs. Zero in an as-is sale.
The settlement statement, in advance
Estimated net proceeds
$162,000
The amount wired to you at closing, before any capital gains tax that may apply.
How this calculator works
Net proceeds = sale price − mortgage payoff − other liens and balances (HELOCs, tax liens, association arrears) − agent commission − seller closing costs (title, escrow, transfer taxes, prorations) − repairs or buyer credits. Commission defaults to 5.5% and closing costs to 1.5% of the price; both are editable, and a cash as-is sale typically zeroes the commission and repair lines.
The payoff figure deserves a real source: request it from your servicer rather than using the balance on a statement — payoff includes interest to the closing date and any fees, and on older loans the difference surprises people. A title search surfaces the liens you may not know about; an old unreleased mortgage or a code-enforcement fine found at closing delays everything.
Estimates are educational, not financial, legal, or tax advice, and not an offer to purchase. Actual figures depend on your property, market, and situation — confirm anything consequential with a licensed professional.
Common questions
What percentage of the sale price do sellers keep?
After commission (~5–6%) and closing costs (~1–2%), sellers in a traditional sale typically keep roughly 92% of the price before paying off the mortgage — and whatever remains after payoff is the true walk-away number. A seller with little equity can net close to nothing from a strong-looking price, which is exactly what this calculator makes visible in advance.
What closing costs does the seller pay?
Sellers commonly pay some combination of title and escrow fees, owner's title insurance (market-dependent), transfer or documentary taxes, prorated property taxes, association estoppel fees, and any negotiated buyer credits. Together these usually run 1–3% of the price, varying by state — Florida's documentary stamp tax, for example, is $0.70 per $100 in most counties.
Do I pay commission if I sell to a cash buyer without an agent?
No — a direct sale to a cash buyer has no listing commission, which removes the largest single deduction on the settlement statement. Title and closing fees still apply, though buyers in direct sales frequently cover some or all of them. Zero the commission field to model it.
What happens if I owe more than the house is worth?
If payoff and liens exceed the achievable price, the calculator will show negative proceeds — meaning a standard sale requires bringing money to closing. The alternatives (lender short sale approval, negotiating lien payoffs) have their own processes, and if missed payments are part of the picture, our foreclosure-timeline resources explain the options and the clock.
Put a real price at the top of the math
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