Net Sale Proceeds Calculator

Estimate the cash you may keep after selling your California home. Enter a sale price, mortgage payoff, and expected selling costs to compare scenarios before planning your next purchase.

Estimate your seller proceeds

Enter dollar amounts. Use your actual negotiated fees and an up-to-date payoff estimate. Blank cost fields count as zero.

Estimated net proceeds before income taxesEnter your amounts

Planning estimate only. Does not calculate capital-gains taxes or tax withholding. Confirm transaction costs and final proceeds with your escrow or title professional.

How net sale proceeds are calculated

Sale price − mortgage and lien payoffs − selling costs − seller credits = estimated net proceeds.

Equity and cash from a sale are different. Equity generally compares property value with secured debt; selling also involves fees, negotiated credits, and closing adjustments. Use proceeds after those deductions when planning cash for your next home.

A sample home-sale calculation

This illustration is not a quote or recommended fee schedule. Replace every amount with your own estimates.

Sale price$900,000
Mortgage and lien payoff− $550,000
Total selling costs and credits− $60,000
Estimated proceeds before income taxes$290,000

Get the inputs right

  • Sale price: Compare several scenarios with your real estate agent. An online value estimate is a starting point, not a guaranteed sale price.
  • Payoff: Include all loans and liens being paid through closing. A payoff quote can differ from the balance on your monthly statement.
  • Selling costs: Use your negotiated agent compensation and the transaction-specific title and escrow estimate. Avoid assuming one fee percentage applies to every sale.
  • Credits and adjustments: Include agreed buyer credits, repairs paid at closing, and seller prorations. Count each amount once.

Common questions

Does this estimate include capital-gains tax?

No. Cash proceeds are not the same as taxable gain. Your purchase basis, improvements, selling expenses, and potential exclusions can affect tax treatment. Review the IRS guidance on selling your home and consult your tax professional.

What if the result is negative?

The entered payoffs and costs exceed the sale price. You may need additional funds to close; discuss the scenario with your agent, lender, and escrow professional.

Can all proceeds become my next down payment?

Budget separately for the next purchase’s closing costs, moving expenses, reserves, and any taxes. A lender can review how the sale timing and available funds affect your next mortgage.

Plan your next home purchase

Use our home value estimator for an initial value range, explore buying before you sell, or schedule a mortgage consultation to compare purchase scenarios.

Reviewed September 16, 2026. Results use only the amounts you enter and are not a closing statement, tax estimate, or loan approval.