Seller net proceeds

The sale price is the number everyone quotes and almost never the number that matters. This is what actually reaches your account once the loan, the commissions, the county and the escrow company have all been paid.

This calculator needs JavaScript, which is not running right now. What comes out of a California sale, in rough order of size: your loan payoff, brokerage commissions, the county documentary transfer tax, escrow and title fees, and any repairs or credits negotiated during escrow.

Call 619-987-6543 or ask for a valuation and we will put real numbers against every line for your property.

The sale

Expected sale price

Mortgage payoff balance

The payoff figure from your lender, not your last statement balance - they differ by accrued interest.

Other liens (HELOC, solar, tax liens)

Commissions

Your brokerage (%)

Offered to the buyer's brokerage (%)

Negotiated separately from your own, and no longer published on the MLS. Enter 0 to model offering nothing - that is a real choice with real consequences for how your listing is shown.

Closing costs

County transfer tax (%)

$1.10 per $1,000 of value - the rate California counties levy under Revenue & Taxation Code 11911.

City transfer tax (%)

Blank unless you fill it in. Some California cities charge their own on top of the county's and a few are far larger - it is worth checking for the specific city rather than assuming.

Escrow fees

Title & owner's policy

Repairs & buyer credits

Other (staging, moving, home warranty)

What you would net

An estimate from the figures you entered. Your escrow company's settlement statement is the authoritative version, and it will differ - prorated taxes, HOA transfer fees and per-day interest all land there.

The line people forget

Paying off your mortgage is not a cost of selling - it is returning borrowed money - so this tool keeps it separate when it works out what selling actually costs you as a percentage. Lumping the two together is how sellers end up believing it costs 60% of their home to sell it.

What genuinely comes out of your side is commissions, transfer taxes, escrow and title, and whatever gets negotiated during the inspection period. What it costs to sell goes through each one and which are actually negotiable.

General information, not legal, tax or financial advice. This tool does not calculate capital gains or any tax you may owe on a sale - that depends on your basis, your improvements and your filing situation, and is a question for your tax adviser.

Want the real numbers for your property?

Send this over and we will put actual figures against every line - and tell you what we think it will sell for and how we got there, including when that is less than you hoped.

Your name

Phone

Property address (optional)

How soon are you looking to move?

Who is in the property now?

The figures you entered above are included so we can look at the same numbers you are. We will not pass your details to anyone, and one reply asking us to stop is enough.

Would rather just talk? 619-987-6543.