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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

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$50k $1M+
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$0 entered $150k+
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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
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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
Net Proceeds $282,000
Cash in pocket after payoff +$102,000
Fewer Contingencies

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
Net Proceeds $242,500
Cash in pocket after payoff +$62,500

Visual Comparison of Net Proceeds

Traditional Listing $282,000
Direct Cash Sale $242,500
In this scenario, a traditional listing yields about $39,500 more on paper.

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.
Calculation methodology: The cash-offer scenario is a simplified model using a percentage of After-Repair Value (ARV) and entered repair costs. Traditional costs use the commission, closing-cost, repair, and carrying-cost inputs you enter. Actual listing proceeds and actual cash offers depend on comp analysis, property condition, title, payoff statements, local buyer demand, and written contract terms.

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.