Free Tool

What would selling really net you?

The sale price is never the real number — here's what actually reaches your family after commission, closing costs, and repairs.

0%5.5%8%
0%2%5%
Sale price
– Remaining mortgage
– Commission
– Closing costs
– Repairs/prep
Estimated net proceeds

Why the sale price isn't the real number

Real estate commission, closing costs, and any repairs needed to sell all come off the top before a family sees a dollar. This calculator uses the same math as the worked example in the Family Decision Guide — real estate commission structures have been shifting industry-wide and are increasingly negotiable, so confirm current rates with a local agent before treating any of this as final.

Frequently Asked Questions

Are real estate commissions always 5-6%?

No — commission structures have been shifting industry-wide in recent years and are increasingly negotiable. Confirm current rates and structure directly with a local real estate agent.

What other costs might not be captured here?

This calculator covers the most common costs, but moving expenses, storage, and any capital gains tax considerations aren't included — a tax professional can help with the latter, since it depends on ownership history and other factors.

Should we do repairs before selling?

It depends on the specific repairs and local market. A pre-listing inspection can help identify which repairs are likely to affect the sale price most, so money is spent where it actually matters.

This calculator provides general estimates only and is not financial, legal, or tax advice. Actual costs vary by location, market conditions, and individual circumstances.