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Home Sale Cash Proceeds Calculator

Estimate seller cash after closing charges, mortgage payoff, liens and settlement adjustments, then subtract a separately estimated tax reserve.

Use this result well

Inputs that matter
Sale price, Total negotiated selling commission, Other seller closing costs, Credits paid to the buyer, and 6 more
Output to expect
Seller cash proceeds
  • Check the units and required inputs before comparing results.
  • Keep the assumptions with a copied result so you can reproduce the calculation later.
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Reference & details

How it works

Seller cash proceeds

Estimate cash released from a home sale after entered selling charges, credits, payoff statements and adjustments. A separately chosen tax reserve reduces cash available for the next use. Mortgage payoff affects cash, not the adjusted tax basis of the home.

Closing cash = sale price − selling commission − other closing costs − buyer credits − loan payoff − other liens + seller credits − seller debits; available cash = closing cash − chosen tax reserve.

Updated: September 2026

Example Scenarios

The built-in example supplies labeled assumptions. Replace them with your own records before making a decision.

→ $274,300.00

FAQ

No. Debt payoff affects closing cash. Tax gain depends on amount realized and adjusted basis, with separate eligibility rules for any exclusion. Use IRS Publication 523 and an appropriate tax assessment.

Use your own records on the units and period shown. Enter explicit zeros for absent amounts, verify current terms and record the dates and assumptions.

Choose Save planning case for local history. Copy MD includes current inputs, notes and interpretation; Download CSV exports the result breakdown. Keep a portable copy separately.

About Home Sale Cash Proceeds Calculator

Estimate cash released from a home sale after entered selling charges, credits, payoff statements and adjustments. A separately chosen tax reserve reduces cash available for the next use. Mortgage payoff affects cash, not the adjusted tax basis of the home.