Your home sale · Cash after costs
See what you could keep after paying off your mortgage and covering the costs of selling.
Use a lender payoff quote. It can include accrued interest and fees, not just the statement balance.
Selling costs start at $0. Add your estimates below for a realistic amount you could keep.
For example, a HELOC. Do not include the main mortgage again.
Title, attorney, recording, transfer taxes, and prorations. Exclude items entered elsewhere.
Currently $0: agent compensation, seller closing costs, pre-sale repairs / staging, moving costs. These are excluded from the estimate until you enter them.
Estimated cash left after your sale
$230,000
What remains after the loans and costs you entered, including moving. This is cash proceeds—not your taxable profit.
Sale price
$550,000
Loans & liens to repay
$320,000
Selling & moving costs
$0
This separates when you pay the costs. Pre-sale repairs do not reduce the closing-day check a second time.
1 · Paid before closing
$0
Repairs and staging paid from your own cash.
2 · Estimated cash at closing
$230,000
Sale price minus loans and closing-day charges.
3 · Overall cash left
$230,000
Closing cash minus pre-sale repairs and moving costs.
Assumes agent compensation, buyer credits, and other closing costs are settled at closing. Escrow refunds and income taxes are not included.
0% of the sale price
Only the sale price and percentage-based agent compensation change. Your other costs stay the same.
Sell for 5% less
Sale price $522,500
$202,500
Estimated cash left after all entered costs
Your estimate
Sale price $550,000
$230,000
Estimated cash left after all entered costs
Sell for 5% more
Sale price $577,500
$257,500
Estimated cash left after all entered costs
We subtract each cost once. If you enter a combined closing-cost estimate, remove any agent fees, payoff amounts, repairs, and credits that you have already entered in other fields.
This is a cash-planning tool. Capital gains taxes, tax exclusions, depreciation recapture, and refunds from an escrow account are not calculated. Repairs and moving may be paid separately before or after closing, so the actual closing-day check can differ from this overall cash-left estimate.
Your settlement agent and lender provide the final amounts. Costs may vary by state, contract, and closing date.
Planning estimate, not a quote, approval, tax calculation, or promise of returns.
Start with the sale price, subtract mortgage payoff, other liens, agent compensation, closing costs, seller credits, pre-sale repairs or staging, and moving costs entered. Use a lender payoff quote, which may differ from the balance on a mortgage statement.
Repairs and staging marked as paid before closing are paid from your own cash before the sale. They reduce your overall proceeds, but are not deducted a second time from the closing-day check. The calculator shows both timing and total cost so the two amounts are not confused.
No. Cash proceeds and taxable gain are different. This tool does not calculate tax basis, capital-gains tax, exclusions, or other tax adjustments. Agent compensation and seller charges are editable estimates, not fixed or required rates. Escrow refunds are not included.