Best for
Sellers planning a move-up purchase
Homeowners comparing sell-now versus wait
Owners who need a cleaner estimate before making a decision
Back to sellers resources
Seller worksheet
Know the sale number that actually matters.
List price is not the same as walk-away money. This worksheet helps sellers think through the numbers between accepted offer and what is left after closing.
What's inside
Estimated sale price and mortgage payoff
Prep, closing cost, and concession categories
A practical walk-away cash view
Questions to bring to a Roots pricing consult
Use it when
Use it before deciding your next purchase budget.
Bring it to a listing consultation.
Update it once you receive real offers.
Gross price is not the answer
A seller can accept a strong-looking price and still feel surprised by payoff, credits, repairs, taxes, prep, title fees, and timing. Net proceeds keep the conversation honest.
Concessions change the math
Inspection credits, appraisal gaps, closing cost assistance, possession terms, and repairs can all change the real outcome. The worksheet gives those items a place before you compare offers.
Use it before the next buy
If you are buying and selling at the same time, your net proceeds shape down payment, reserves, and timing. Roots uses this math early so the move-up plan does not depend on hope.
Frequently asked questions
Seller Net Proceeds Worksheet FAQ
Short answers to the questions sellers usually ask before they start cleaning, fixing, staging, and scheduling listing photos.
How do I calculate net proceeds from selling my house?
Start with the sale price, then subtract the mortgage payoff, real estate commission, title and closing fees, prep costs, any buyer concessions, and prorated taxes. What is left is your estimated net proceeds, the cash you actually walk away with. A worksheet keeps every line item visible so nothing surprises you at closing.
What is the difference between sale price and net proceeds?
Sale price is the headline number a buyer agrees to pay. Net proceeds is what you keep after paying off your loan and covering all selling costs. The two can differ by tens of thousands of dollars, so net proceeds is the number that should drive your decisions.
How much will I make selling my house?
Your take-home depends on your remaining mortgage balance, how much equity you have built, and your selling costs, which often run around 6 to 10 percent of the price. The more equity and the lower the payoff, the more you keep. Run the numbers before you set your next budget.
Should I sell my house before buying the next one?
If you need your equity for the down payment on the next home, your net proceeds directly shape that budget, so estimating them early is essential. Selling first gives you a firm number and stronger buying power, while buying first adds flexibility but usually requires bridge financing or strong reserves.
Keep going
Related Roots resources.
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