Formula Used
Commission = Sale Price × Commission Rate ÷ 100
Transfer Tax = Sale Price × Transfer Tax Rate ÷ 100
Total Payoffs = First Payoff + Second Payoff + Other Liens
Service Fees = Title Fee + Escrow Fee + Recording Fee + Attorney Fee + Notary Fee + Warranty + Miscellaneous Fees
Seller Credits = Concessions + Repair Credit + Tax Proration + HOA Proration
Total Deductions = Payoffs + Commission + Transfer Tax + Service Fees + Seller Credits
Estimated Net Proceeds = Sale Price + Seller Positive Adjustments − Total Deductions
How To Use This Calculator
Enter the contract sale price first. Add each mortgage payoff and lien. Then add the commission percentage, transfer tax percentage, title charges, escrow charges, prorations, credits, and other seller fees.
Use zero for any item that does not apply. Press the calculate button. The result appears above the form. Use CSV for spreadsheet records. Use PDF for a simple printable summary.
Example Data Table
| Sale Price |
Payoffs |
Commission |
Transfer Tax |
Service Fees |
Credits |
Estimated Net |
| $420,000.00 |
$285,000.00 |
$23,100.00 |
$2,100.00 |
$3,450.00 |
$6,300.00 |
$100,050.00 |
| $575,000.00 |
$390,000.00 |
$31,625.00 |
$2,875.00 |
$4,200.00 |
$8,000.00 |
$138,300.00 |
| $310,000.00 |
$265,000.00 |
$17,050.00 |
$1,550.00 |
$3,100.00 |
$5,500.00 |
$17,800.00 |
About This Net Out Estimate
A title net out estimate helps a seller see likely cash after closing. It starts with the sale price. It then removes loan payoffs, liens, commissions, title charges, escrow charges, taxes, credits, and other seller costs. The final number is not a guaranteed settlement figure. It is a planning number. Your closing statement, lender payoff, county charges, and title office instructions control the final result.
Why Seller Net Matters
Net proceeds can guide many decisions. A seller may need funds for a new home. They may want to compare offers. They may need to know if a payoff creates a short sale risk. This calculator groups each cost in clear sections. That makes the estimate easier to review. It also shows which costs create the largest deduction.
Important Cost Areas
Loan payoff is often the largest deduction. It should include principal, interest to the payoff date, release fees, and any lender charges. Commission is usually based on the contract price. Transfer tax depends on local rules. Title and escrow fees vary by state, county, contract, and title company schedule. Seller credits can include repairs, buyer assistance, warranties, or tax prorations.
Using The Results
Enter all amounts from your contract, payoff letters, tax bill, and fee quote. Use zero when a cost does not apply. Review the summary table after calculation. If the net is negative, the seller may need money at closing. Export the result for a quick file record. The CSV works well for spreadsheets. The PDF is useful for sharing.
Estimate Limits
This tool is not an official title quote. It does not replace a settlement statement. It cannot know every county charge, recording rule, payoff change, or contract clause. For final numbers, compare the estimate with your closing disclosure or seller statement. Ask your title officer, escrow officer, real estate agent, attorney, or lender to verify every item before signing.
Best Review Method
Run more than one scenario. Test the contract price, a lower negotiated price, and a higher repair credit. Save each result with a clear note. This habit helps you discuss changes quickly. It also reduces surprises when a revised statement arrives near closing day, before your final review begins.
FAQs
What is a net out calculator?
It estimates seller proceeds after subtracting payoffs, commissions, taxes, fees, credits, and prorations from the sale price.
Is this an official Fidelity National Title quote?
No. This page is an independent estimate tool. Final figures should come from your title officer, escrow officer, attorney, or closing statement.
Why is my payoff different from my loan balance?
A payoff can include daily interest, release fees, late charges, and other lender items. Always request an updated payoff letter.
How do I enter transfer tax?
Enter the transfer tax as a percentage of the sale price. Use zero if it does not apply or if another party pays it.
What are seller credits?
Seller credits are amounts the seller agrees to pay for buyer costs, repairs, warranties, concessions, or prorated items.
What does negative net proceeds mean?
Negative net proceeds mean estimated deductions exceed the sale price and positive adjustments. The seller may need funds at closing.
Can I export my calculation?
Yes. After calculation, use the CSV button for spreadsheets or the PDF button for a simple downloadable summary.
Should I include property taxes?
Yes, include estimated property tax prorations when the seller owes a share through the closing date.