Calculators
Home Sale Calculator
When selling your home, there are additional costs like repairs, title fees, and agent commissions that impact the net cash amount after a sale is complete. Use the home sale net proceeds calculator below to estimate your home sale price, total costs, and net proceeds.
6%
Typical agent commission
1–1.5%
DMV transfer taxes
~2–3%
Title & closing costs
3
Jurisdictions we serve
01Run the numbers
See what you’ll walk away with
Adjust any field and your net updates instantly. Nothing is submitted — every figure is calculated right here as you type.
Your sale details
All calculations are estimates and provided for informational purposes only. Actual amounts may vary.
Your estimate
Estimated net when selling your home
$380,625
Home Sale Price
$875,000
Total costs to sell
$494,375
Where the money goes
- Agent commission$52,50011%
- Transfer & recordation tax$8,7502%
- Repairs / improvements / staging$13,1253%
- Mortgage payoff & liens$420,00085%
This net proceeds calculator provides an estimate of costs that are meant for educational purposes only; our calculation is not a guarantee and is based on the information that you’ve entered. Our total costs to sell include remaining mortgage, commission and estimated closing costs.
Want a precise, itemized net sheet built from your actual payoff and title quote? Let’s prepare one so there are no surprises at the closing table.
Get a personalized net sheet02How it works
Four steps from a sale price to your net
A net proceeds estimate is only useful when it is built the way settlement actually works. Here is the order of operations behind the number.
Start with your sale price
Enter your listed or estimated home price — this figure anchors every other number in the estimate.
Add your payoff and prep
Subtract what you still owe on the mortgage and any repairs, improvements or staging you plan to invest.
Account for fees & taxes
Commission, transfer and recordation taxes, and title and settlement costs all come out of the proceeds.
See your net, then plan
What remains is your estimated net — bring it to a strategy call and we will map your next move.
03What eats into your proceeds
The six costs every seller should plan for
Your sale price is not your take-home. These are the line items that sit between the two — and knowing them early is what keeps closing day predictable.
Agent Commission
The largest single line item for most sellers. It covers listing, marketing, negotiation and coordination on both sides of the transaction.
Repairs, Improvements & Staging
Pre-listing prep — paint, updates, handyman work and staging — protects your price and helps you compete with better-presented homes.
Transfer & Recordation Taxes
State and local governments charge a tax when the deed transfers. Rates vary widely by jurisdiction and can reach roughly 1–1.5% of the sale price.
Title & Settlement Fees
Title search, title insurance, escrow, notary and recording fees are handled at settlement and typically run two to three percent of the price.
Mortgage Payoff & Liens
Any remaining loan balance, home equity line, tax lien or HOA payoff is settled directly out of the proceeds before you are paid.
Buyer Concessions & Credits
In negotiations you may agree to cover some buyer closing costs or a repair credit — a common tool that still protects your bottom line.
04Local impact
Where you sell changes what you keep
Transfer and recordation taxes are set by jurisdiction, and the spread across the DMV is significant. A Virginia seller and a Maryland seller at the same price can net thousands of dollars differently. These are the effective rates our calculator applies.
Recordation and transfer tax applies on the full price.
Effective transfer tax rate
Low state grantor tax — the buyer pays most at closing.
Effective transfer tax rate
State grantor tax collected at settlement.
Effective transfer tax rate
State grantor tax collected at settlement.
Effective transfer tax rate
Combined state plus county transfer and recordation tax.
Effective transfer tax rate
Combined state plus county transfer and recordation tax.
Effective transfer tax rate
Combined state plus county transfer and recordation tax.
Effective transfer tax rate
05Questions
Your proceeds, answered
The questions DMV sellers ask most about costs, taxes and when the money actually arrives.
Your net proceeds equal the sale price minus your remaining mortgage balance, agent commission, transfer and recordation taxes, title and settlement fees, and any repairs or concessions you agree to. For most DMV sellers this lands somewhere between 88% and 94% of the sale price, but the exact number depends on your payoff and the costs specific to your transaction. This calculator applies those figures so you can see a realistic net.
Commission is usually the largest single expense, followed by transfer and recordation taxes and title and settlement fees. Repairs, improvements and staging can be meaningful too — but they typically protect or increase your final price rather than simply reduce it. Your mortgage payoff is not a fee, but it does come out of the proceeds before you are paid.
It depends on the jurisdiction. Virginia charges a low state grantor tax (around 0.1%), with buyers typically covering the larger share. Washington DC charges roughly 1.1% or more on the full price, and Maryland counties combine state and county transfer and recordation taxes that often total around 1.4–1.45%. Choosing your region above keeps the estimate grounded in local rates.
Often, yes — strategic preparation tends to return more than it costs. Fresh paint, small repairs and professional staging help your home photograph well and compete. That said, every project should be weighed against your timeline and goals. On a strategy call we identify which improvements actually move your net, and which do not.
Proceeds are disbursed at settlement once the title company pays off any existing loans and liens and deducts the agreed costs. If you are buying your next home at the same time, funds can often be coordinated so your net rolls directly into the purchase. Barring delays, sellers typically receive their net on the day of closing.
No — it is an estimating tool to set expectations and guide your planning. A precise net sheet is prepared from your actual payoff statement, title quote and specific contract terms. When you are ready, BW Metro Properties will prepare an itemized net sheet so there are no surprises at the closing table.
13Ready To Make Your Next Move?
Let’s build a strategy that works for your goals.
Buyers, sellers and investors across Washington DC, Maryland and Northern Virginia trust BW Metro Properties to clear the path forward.