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Seller Tool

The Seller Net Calculator.

A quick estimate of what you actually walk away with after a sale. Run the numbers, bookmark the page, and come back as your situation evolves. When you're ready for a real net sheet built around your specific home, ask me.

Sale Information

Estimated sale price

Your expected sale price.

$
Outstanding loan balance

What you'll pay off at closing. Leave blank if owned outright.

$

Commissions

Listing-side commission

Standard rate.

%
Buyer-side commission

Negotiable. No longer a fixed rate since the 2024 NAR settlement — common range 2.0–2.5%.

%

Standard Closing Costs

Escrow, title, and closing costs

Escrow fees, owner's title insurance, recording. Typical range 0.8–1.2% of sale price.

%
County transfer tax

California documentary transfer tax. Auto-calculated at $1.10 per $1,000 of sale price.

$

Other Adjustments

HOA transfer fees

HOA document and transfer fees, if applicable.

$
Buyer credits / concessions

Closing-cost credit, repair credit, or other concession to the buyer.

$
Pre-listing investment

Staging, paint, landscaping, photography, and any other pre-listing prep.

$
Property tax proration

Prepaid property tax credited or charged at closing. Leave blank if unsure.

$

Estimated net proceeds

Your numbers, live.

Updates as you type.

Gross sale price $0
Loan payoff − $0
Listing commission − $0
Buyer commission − $0
Closing & title − $0
County transfer tax − $0
HOA fees − $0
Buyer credits − $0
Pre-listing investment − $0
Property tax proration − $0
Total deductions $0
Estimated net proceeds
$0

Estimate only — actual numbers vary by property, market timing, and the terms of your specific deal. Capital gains tax is not included.

How sellers use this

Three ways to put this calculator to work.

It's built to live in a browser tab, not in your inbox.

01

Run the first read

Plug in your estimated sale price and outstanding loan to see the rough shape of what you'd net at today's commission and closing-cost defaults.

02

Stress-test the price

Try a few different sale prices. The number you'd net at $1.95M versus $2.1M tells you more about your real flexibility than any single point estimate ever does.

03

Bring it to our call

When we sit down for a real net sheet, having a baseline in mind makes the conversation faster and more focused on the decisions that actually move your net.

What this calculator does — and what it doesn't.

  • It estimates a typical California residential closing. Commissions, escrow and title costs, county documentary transfer tax, HOA transfer fees, and standard credits.
  • It does not calculate capital gains tax. California sellers may owe state and federal capital gains, particularly above the IRC § 121 primary-residence exclusion. That's a CPA conversation, not a calculator output.
  • It does not address 1031 exchanges. If you're rolling proceeds into another investment property, your exchange accommodator and CPA shape the math differently.
  • It does not include city transfer tax. Newport Beach does not impose one. Other California cities do. If you're outside Newport, confirm the local rate.
  • It does not include Prop 19 portability. Whether you can carry your existing property-tax basis forward depends on your eligibility and how you use the proceeds — see the Prop 19 Downsizing guide.
  • Defaults are starting points, not market rates. Commissions, concessions, and closing costs are all negotiable and shift with the market. Adjust the fields to reflect what you'd actually expect.

When you're ready

A real net sheet beats an estimate every time.

When you're closer to a decision, we'll build a personalized net sheet around your specific home — exact loan payoff, current local market commissions, accurate title and escrow quotes, HOA specifics, and any capital-gains considerations your CPA needs to weigh in on.