Tools · Net Proceeds

What do you actually walk away with?

Your sale price is not your payday. Between the agent commission, title and closing costs, prorated taxes, any concessions, and paying off the mortgage, a real chunk of that number never reaches your account. This calculator shows the whole subtraction, line by line.

Adjust the costs to match your situation and watch your net proceeds move. The defaults reflect a typical Denver-metro sale.

Worth knowing

After selling costs and your mortgage payoff, you'd walk away with about $295,260.

Net proceeds

$295,260

The cash you'd walk away with after costs and payoff.

Total selling costs

$39,740

6.4% of the sale price.

Mortgage payoff

$290,000

Loan balance cleared at closing.

The bottom line

Of your $625,000 sale price, $39,740 goes to selling costs and $290,000 clears the mortgage.

Educational estimate only. Not financial or tax advice.

Where the money goes

Your sale price, split up

How each dollar of the sale price divides between costs, your loan payoff, and you.

Selling costs$39,740

Mortgage payoff$290,000

Net proceeds$295,260

Your numbers

Inputs

Start with the sale, then adjust the costs to match your situation.

The sale

Expected sale priceWhat you expect the home to sell for.Mortgage payoffThe remaining loan balance the title company pays off at closing. Enter 0 if the home is owned free and clear.

Selling costs

Agent commission

Total commission as a share of the sale price. Around 5–6% is typical in the Denver metro.Title insurance & settlement fees

In Colorado the seller customarily buys the buyer's owner's title policy and pays a settlement fee. On Colorado's deregulated rates that's roughly 0.3–0.4% of the price for a typical sale.Other closing costsRecording fees, the documentary fee, an HOA status letter, and other small line items.Annual property taxYour county's annual property tax. Colorado taxes are paid in arrears, so at closing you credit the buyer for this year's taxes from January 1 through today's date — the calculator works that proration out for you.

Other deductions+

Seller concessions to buyerAny credits you agree to give the buyer — toward their closing costs, repairs, or a rate buydown.Pre-listing prep & repairsStaging, cleaning, and repairs you pay for before listing. Paid up front, not at closing — included here for the full picture.

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The breakdown

Line by line

Every expense between your sale price and the cash you take home.

Sale price	$625,000
Agent commission	−$35,000
Title insurance & settlement fees	−$2,188
Other closing costs	−$1,200
Prorated property taxesJan 1–May 21, 2026 · 39% of the year	−$1,352
Seller concessions to buyer	—
Pre-listing prep & repairs	—
Total selling costs	−$39,740
Mortgage payoff	−$290,000
Net proceeds	$295,260

Important

How to read this, and what it isn't.

This is an estimate. Title, settlement, and closing fees vary by company and by what you negotiate in the contract — your title company can give you an exact figure once you're under contract. Treat the defaults here as a realistic starting point, not a quote.

Prorated property taxes are calculated using today's date as the closing date. Your actual proration depends on the real closing date and the proration method written into the contract, so it will shift once you have a contract in hand.

These are the costs at the closing table. This calculator does not estimate capital gains tax on the sale — most sellers of a primary residence owe none, but if you might, the Rent vs Sell calculator models capital gains and depreciation recapture in detail.

Want a careful read on your specific home and a true net sheet? I'm happy to help.

Thinking about selling?

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