Seller Closing Cost Calculator
Selling a home isn’t free. Estimate the agent commission, transfer taxes and other costs — and what you’ll actually pocket after paying off your mortgage.
A worked example
Running this tool on current national benchmarks (Federal Reserve / Freddie Mac via FRED (St. Louis Fed)) — swap in your own numbers to see how the result moves.
- Sale price
- $450,000
- Agent commission
- 5.50%
- Transfer tax
- 0.40%
- Mortgage payoff
- $240,000
- Other costs (title, attorney, repairs)
- $3,500
after $30,050 costs and $240,000 payoff
- Agent commission$24,750
- Transfer tax$1,800
- Total selling costs$30,050
How the net proceeds from the sale changes with sale price
Holding the other inputs at the example above, here is how the result moves as sale price changes.
| Sale price | Net proceeds from the sale | Agent commission |
|---|---|---|
| $225,000 | -$31,775 | $12,375 |
| $350,000 | $85,850 | $19,250 |
| $450,000 | $179,950 | $24,750 |
| $675,000 | $391,675 | $37,125 |
| $900,000 | $603,400 | $49,500 |
The math behind it
The calculator takes your sale price and subtracts the costs of selling: the agent commission (a percentage of the price), the transfer tax (another percentage of the price), and any other flat costs such as title, attorney, or repairs. Subtracting those costs and your remaining mortgage payoff from the sale price gives your net proceeds — the cash you actually walk away with.
Assumptions & limits
- Agent commission and transfer tax are calculated as percentages of the sale price; other costs are flat amounts you enter.
- Your mortgage payoff is subtracted in full to reach net proceeds.
- Prorated property taxes, seller-paid buyer concessions, and staging or moving costs are not separately modeled — fold them into the other-costs field.
- Capital-gains tax on any profit is not included; primary-residence exclusions and rates vary.
- The result is proceeds at closing, before any tax owed on the sale.
Typical seller closing costs
Ranges vary by market and are negotiable.
| Cost | Typical range |
|---|---|
| Agent commission (total) | About 5% to 6% of sale price |
| Transfer taxes | Varies widely by state and county |
| Total selling costs | Often 6% to 10% of sale price |
Source: Freddie Mac PMMS via FRED. Annual averages; latest weekly reading shown.
Common questions
What are net proceeds?
Net proceeds are what you keep after all selling costs and your mortgage payoff come out of the sale price. It is the number that matters most to a seller — not the headline sale price. The calculator shows it directly along with the costs that reduce it.
Who pays the real estate commission?
The seller has traditionally paid the total commission out of the sale proceeds, often split between the listing and buyer agents. Commission rates are negotiable and recent industry changes have made splits more variable, so enter the rate that matches your actual agreement.
Does this include capital-gains tax?
No. The calculator shows proceeds at closing, before any tax on the sale. Many sellers of a primary residence owe no capital-gains tax thanks to the home-sale exclusion, but rules and limits apply — check your situation with a tax professional if you have a large gain.