Calculator

Your check at closing

Sale price is the number everyone talks about. Net proceeds is the number that matters. Enter the listing fee from your agreement, or try a few to see how each one changes your check.

The sale
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Your remaining balance plus interest through the closing date — not your original loan amount. Your servicer will give you an exact payoff demand.
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Most Southern California cities charge only the county rate. A handful of charter cities add their own, and LA's can be very large.
Commissions
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Since August 2024 this is negotiated separately and is your choice to offer. Set it to 0 to see your net without it. Many sellers still offer something because it widens the buyer pool — that's a strategy decision we'd make together.
Closing costs & credits
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Almost every deal has some. Budgeting zero here is how sellers get surprised in week three.
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Estimated net proceeds
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Sale price
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Loan payoff
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Total selling costs
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Listing fee
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The settlement statement, roughly

If the price lands differently

Everything else held constant. Useful when you're deciding where to list.

Sale priceSelling costsNet to youvs. target
Capital gains aren't modeled here. If this was your primary residence for two of the last five years, the first $250,000 of gain is typically excluded ($500,000 if married filing jointly). Above that, or for an investment property, you may owe federal and California tax — and California does not have a preferential capital gains rate. If you're near those thresholds, talk to a CPA before you list. If it's a rental, ask me about a 1031 exchange before you open escrow, because it's too late after.

Estimate only. Not a certified net sheet, an escrow settlement statement, or tax advice. Escrow and title fees are set by filed rate schedules and vary by provider; transfer taxes are set by ordinance and change; who customarily pays what varies by county and is negotiable in every transaction. City transfer tax figures shown here should be confirmed against the current ordinance before you rely on them. Your escrow officer will produce the binding numbers.