Seller Net Proceeds Calculator
Estimate what a California seller keeps after the mortgage payoff, commissions, escrow, title, transfer tax, and any credits to the buyer.
What Will the Seller Walk Away With?
A seller’s net proceeds are the sale price minus the mortgage payoff and the costs of selling. In California those costs usually include agent commissions, escrow fees, the owner’s title insurance policy, the county transfer tax, and smaller items such as the natural hazard report and a home warranty.
Agents can use this calculator at a listing appointment or when comparing offers. Enter each offer’s price, credits, and repair requests to see which one leaves the seller with more.
Example: A $750,000 sale with a $350,000 payoff and 5% in commissions leaves about $357,000 after roughly $5,300 in escrow, title, transfer tax, and other fees.
Common Questions
Who pays the transfer tax in California?
It is negotiable, but in Southern California the seller customarily pays the county transfer tax of $1.10 per $1,000 of price. Some cities charge an additional city transfer tax.
Does the seller pay for title insurance?
In Southern California the seller customarily pays for the owner’s title policy and the buyer pays for the lender’s policy. Customs differ in Northern California.
What is not included in this estimate?
Property tax prorations, any prepayment penalty on the loan, HOA transfer charges, and income tax on the gain. Ask your escrow officer for a seller’s estimated closing statement.