What's a typical agent commission rate?

It varies by market and negotiation, but commissions in the roughly 4-6% range (often split between listing and buyer's agents) have historically been common in the US, though this has been shifting — confirm the actual rate with your agent.

What are seller concessions?

Money or credits a seller agrees to give the buyer as part of the deal — often to help cover the buyer's closing costs or to compensate for needed repairs found during inspection.

Does this include capital gains tax?

No — capital gains tax on a home sale depends on your cost basis, how long you've owned the property, and exclusions that may apply (like the primary residence exclusion) — this tool doesn't estimate that. Talk to a tax professional about your specific situation.

Are transfer taxes the same everywhere?

No — transfer tax rates and who pays them (buyer, seller, or split) vary significantly by state and even by county or city. Confirm the actual local rate with your agent or title company.

Home Seller Proceeds & Closing Cost Estimator

Finance

See exactly what you'll walk away with after selling.

Sale details

Enter your expected sale price and costs.

Sale price

Remaining mortgage payoff

Agent commission (%)

Transfer tax (%)

Title & escrow fees

Seller concessions

Repair credits

Net proceeds summary

Sale price$450,000.00

Mortgage payoff-$210,000.00

Agent commission (5.5%)-$24,750.00

Transfer tax (0.5%)-$2,250.00

Title & escrow fees-$2,500.00

Seller concessions to buyer-$3,000.00

Repair credits-$1,500.00

Net proceeds$206,000.00

About this tool

Enter your sale price, mortgage payoff, agent commission, transfer tax, title fees, and any concessions, and instantly get a clear net proceeds summary — a straightforward closing cost breakdown before you sign anything.

How to use Home Seller Proceeds & Closing Cost Estimator

1
Enter your expected sale price and remaining mortgage payoff amount.
2
Enter your agent's commission rate and your local transfer tax rate.
3
Add title and escrow fees, plus any seller concessions or repair credits you're offering the buyer.
4
Read your estimated net proceeds — the amount you'd actually walk away with.

Frequently asked questions

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