Seller Net Proceeds Calculator, Treasure Coast Florida

Put in a sale price and your mortgage payoff. Everything else starts at what is customary on the Treasure Coast and is yours to change. The number on the right updates as you type.

The sale

The two numbers only you know.

Expected sale price Mortgage payoff

What you still owe, including any second mortgage or HELOC. Ask your lender for a payoff quote, it is not the same as your statement balance.

What you agree to pay

Negotiated in the listing agreement and the contract.

Commission %

Buyer concessions %

Commission is the total for both sides. Concessions are money you credit the buyer at closing, common when a buyer is stretching to cover their own closing costs.

Repairs after inspection

Nothing here yet if you have not been under contract. Budget something: almost every deal finds a few thousand.

Florida closing costs

Filled in from the sale price at customary Treasure Coast rates. Every one of them is editable, and your title company's figures win.

Documentary stamps on the deed

Florida charges $0.70 per $100 of the sale price. Customarily the seller's cost everywhere except Miami-Dade.

Owner's title insurance policy

Florida's promulgated rate. In our counties the seller customarily buys the buyer's owner policy, though the contract can flip it.

Title search, settlement and recording fees

Search, closing fee, and recording the satisfaction of your mortgage. Varies by closing agent.

Property tax proration

HOA estoppel

You owe taxes for the part of the year you owned the home, credited to the buyer at closing. Florida caps a standard HOA estoppel letter at $299.

Anything else

Survey, lien payoffs, a home warranty you offered, moving costs you want counted.

Estimated net proceeds

Before capital gains, which most primary-home sellers never owe.

An estimate, not a closing statement. Your title company's ALTA settlement statement is the real one, and your payoff quote is the number that moves this most.

Want these checked against your actual numbers?

Send it over and we will price the home off real comps in your neighborhood, pull the actual payoff and tax figures, and send back a net sheet you can plan around. No cost, no obligation to list.

Got it.

We will come back with a net sheet built on real comps, usually the same day. Your numbers came through with it, so nothing needs re-typing.

What moves this number most

Your payoff, not your balance. A payoff quote includes interest through the closing date and any prepayment items. It is usually a little higher than the balance on your last statement.
Commission is negotiable and always has been. What it buys you is exposure and negotiation. Ask what a lower number would actually change about the marketing.
Concessions come off the top. A full-price offer with a 3% credit nets you the same as a 3% lower price. Look at the net, not the headline.
The inspection is the second negotiation. Most contracts reopen on repairs. Getting ahead of the obvious items before listing is the cheapest way to protect this number.
Capital gains rarely apply. If it was your primary home for two of the last five years, the first $250,000 of gain is excluded, $500,000 for a married couple filing jointly. Investment property is a different conversation, and one for your CPA.

Not sure what it would sell for?

The sale price is the biggest input here and the one people guess at. A comparative market analysis puts a real range on it, built from what actually closed near you.

Get a home valuation →

What you actually walk away with.

The sale

What you agree to pay

Florida closing costs

Want these checked against your actual numbers?

Got it.

What moves this number most

Not sure what it would sell for?

Thinking about selling?