Net Proceeds Calculator
Estimate what you may keep after mortgage payoff, repairs, commissions, closing costs, carrying costs, and a direct cash-offer scenario.
Before You Trust the Number
This is an estimate, not a closing statement.
The calculator cannot see everything a title company sees. Your final seller proceeds can change because of mortgage payoff updates, unpaid property taxes, HOA balances, municipal liens, judgments, probate costs, title curative work, code fines, seller concessions, insurance issues, wire fees, or court requirements.
Use it to compare paths
The useful question is not list price versus offer price. It is estimated walk-away money versus time, risk, and repairs.
Enter known payoffs
Add mortgages, liens, taxes, HOA balances, and other amounts that must be paid from closing.
Confirm with title
A title company settlement statement is the document that shows the final credits, deductions, and seller proceeds.
Property Details
Outstanding mortgage, property tax delinquencies, HOA assessments, judgments, or known liens.
Sum of monthly mortgage payment, property taxes, home insurance, and utilities.
Adjust Standard Rates
Traditional Agent Sale
Listing on the MLS with a realtor
- Estimated Sale Price $350,000
- Agent Commission (6%) -$21,000
- Closing Costs (2%) -$7,000
- Repairs & Preparation -$25,000
- Carrying Costs (6 mos) -$15,000
Cash Offer from Us
Direct purchase after property and title review
- Estimated Offer Value $242,500
- Agent Commission $0
- Seller Costs in Offer Written terms
- Pre-Sale Repairs $0 entered
- Carrying Costs Usually reduced
Visual Comparison of Net Proceeds
Traditional Listing Variables vs. Direct Cash Sale Variables
Traditional MLS Listing
- Timeline risk: Pricing, buyer financing, appraisal, inspection, insurance, and title can all affect timing.
- Inspection and appraisal risk: Roof, septic, electrical, open permits, mold, or low appraisal can trigger credits, delays, or cancellations.
- Public sale process: Cleaning, showings, buyer visits, appraisal access, and repair negotiations.
Cash Sale to FL Home Buyers
- Timeline depends on title: Fast closings are possible when ownership, payoff, access, and title are clear.
- No pre-sale repair work: Repair condition is priced before terms instead of requiring you to renovate first.
- Private review: Usually one walkthrough or property review instead of public showings and lender-driven inspections.
Check the inputs
Records to pull before you rely on the estimate
Use the calculator to compare paths, not as a final closing statement. Your walk-away number changes when a payoff, lien, tax prorate, HOA balance, or repair credit changes.
Run two versions: one for listing with an agent and one for selling as-is. Use conservative repair numbers in the agent-sale column, then add mortgage payoff, taxes, HOA balances, liens, and likely holding costs to both paths. If the net difference is small, timing and certainty may matter more than the headline sale price.
The easiest way to make this page useful is to enter numbers you can defend. For market value, use recent nearby sales in similar condition, not the highest listing you found online. For repairs, include the work a financed buyer may ask for before closing: roof age, insurance issues, plumbing leaks, electrical panels, open permits, flooring, paint, cleanout, mold testing, termite damage, or safety items. For holding costs, include the payments you will keep making while the house is listed, under contract, inspected, appraised, and waiting to close.
When the estimate can be misleading
A listing estimate can look better on paper and still fail if the buyer cannot get insurance, the appraisal misses the contract price, the title company finds a payoff or lien you did not know about, or the inspection creates a repair credit larger than expected. A cash-offer estimate can also look worse than reality if the house needs fewer repairs than assumed or if the seller costs are lower than expected. Treat the calculator as a decision tool, then verify the numbers with records.
- If you owe a lot: start with the payoff and any liens, then see whether either path leaves enough equity to close.
- If the house needs repairs: compare the repair budget against what a buyer, lender, or insurer may require.
- If timing matters: add every month of mortgage, taxes, insurance, HOA, utilities, lawn care, and vacancy risk.
- Tax bill and assessed value: confirm the current tax bill with your county property appraiser or tax collector.
- Liens and judgments: search your county clerk records before assuming title is clear.
- Mortgage payoff: request a payoff quote from the lender, not just the balance shown online.
- Closing disclosure: compare the final title-company statement against the estimate before signing.
Useful records: Florida property appraiser and tax collector directory, Florida clerk locations, and the CFPB explanation of a Closing Disclosure.
Want an Exact Cash Offer & Calculation?
Share the address, condition, payoff estimate, and timeline. We can review the property, explain the assumptions, and put any cash-offer terms in writing.