How Much Will I Make from My Sale?

You’ve accepted an offer on your home—but how much will actually end up in your pocket after closing? Between agent commissions, loan payoffs, and closing costs, your net proceeds can look very different from your sales price. 

Here’s how to calculate what you’ll walk away with—and what fees to expect along the way. 

Start With Your Sale Price 

Begin with the agreed-upon contract price. From there, subtract all applicable costs and obligations. What’s left is your net proceeds—the amount wired to you after closing. 

Common Deductions from Your Sale Price 

Here’s what typically comes out of your final number: 

1. Mortgage Payoff 

• Your title company will request an official payoff from your lender 

• It includes your remaining loan balance and any accrued interest 

• Don’t forget: there may be a prepayment penalty depending on your loan type 

2. Real Estate Commissions 

• Usually 5–6% of the sale price (split between buyer and seller agents) 

• Commission rates are negotiated with your listing agent when you list 

3. Prorated Property Taxes 

• You’ll be responsible for the portion of the year you owned the home 

• These are credited to the buyer and deducted from your proceeds at closing 

4. Title Fees & Closing Costs 

• Title search and insurance 

• Document preparation and notary 

• Settlement or escrow fees 

• Recording and release fees for mortgages or judgments These can vary depending on the property and location 

5. HOA Dues or Transfer Fees 

• If your home is in a homeowners association, you may owe prorated dues 

• Some HOAs also charge a transfer fee when ownership changes 

Sample Net Sheet (For a $350,000 Sale) 

Item	Amount
Sales Price	$350,000
Mortgage Payoff	–$210,000
Real Estate Commissions (6%)	–$21,000
Property Tax Proration	–$1,500
Title & Closing Costs	–$2,400
HOA Transfer Fee	–$250
Estimated Net Proceeds	$114,850

This is an example only—actual figures vary by sale. 

How to Get an Accurate Estimate 

Ask your title company or real estate agent for a seller net sheet. This document provides a line-by-line breakdown of your estimated costs based on real numbers from your transaction. 

At Title Stream, we provide sellers with clear, accurate net sheets early in the process—so there are no surprises on closing day.