Home sale proceeds calculator
Net proceeds are what’s left after the sale price pays off what you owe and what it costs to sell. The defaults below are mine — a Colorado listing agent who is also the lender — so the number you get is the number I’d show you at the table.
What you actually walk away with
Sale price, minus what you owe, minus what it costs to sell.
Fill in what you know. Every line is yours to change, and the breakdown updates as you type.
What I charge to list and sell.
Not required. Since the commission rules changed, this is negotiated in the offer — many sellers still offer it to keep the buyer pool wide. Set it to zero to see the difference.
That’s your starting number. The exact figure comes from a conversation and a title-company net sheet.
Capital gains
Why the defaults are what they are
Most proceeds calculators pick their numbers to make the tool look conservative, and then a seller walks into a listing appointment already braced for a haircut that isn’t real. Mine are the numbers I actually use.
The listing side is what I charge. The buyer’s-agent side is a separate line now because it’s a separate decision: since the commission rules changed, what you offer the buyer’s agent is written into the offer, not assumed. Many sellers still offer it because it keeps the buyer pool wide, and some don’t. The field is yours to change.
Title and closing is the soft line. It covers the owner’s title policy — which the seller customarily pays in Colorado — plus the closing fee, recording, and document fees. It’s an estimate on purpose. In our strategy session we run a preliminary net sheet from the title company, and that replaces the estimate with the real thing.
Property tax is the line most sellers forget. Colorado pays in arrears, so at signing you credit the buyer for the months of this year you owned the home. Pick your signing month and the calculator handles it.
Concessions and prep are yours to fill in. In the market we’re in, buyers ask for credits more often than they did, and a house that’s ready on day one sells faster than one that’s “priced to reflect” what it needs.
Five ways sellers talk themselves out of their own money
The cost lines on the sheet above are the visible money. These five are where the invisible money goes.
- 01
Squeezing the lemon.
The biggest mistake isn’t a cost line — it’s the list price. A home priced above the market sits, the listing goes stale, and the eventual price cut is bigger than the premium you were reaching for. Homes are taking longer to sell right now. The first two weeks are the whole game.
- 02
Treating list price as sale price.
Run this calculator on what a buyer will pay, not what you’d like to hear. If the number only works at your dream price, the plan doesn’t work.
- 03
Paying for a sign in the yard.
A flat-fee brokerage saves you a line on this sheet and costs you the negotiation — pricing, the offer, the inspection response, the appraisal. The savings show up here; the cost shows up in the sale price, where it’s bigger and you never see it.
- 04
Forgetting what the payoff really is.
The balance on your statement isn’t the payoff. Interest accrues to signing day, and if you have a HELOC or a second, that’s a lien too. Get the actual payoff figure from your servicer.
- 05
Skipping the tax lines.
Prorated property tax comes out at signing. And if you’ve owned the home a long time, the gain may be larger than the primary-residence exclusion. Both are five-minute questions now and expensive surprises later.
Before you list — the question I ask every seller
If the reason is the monthly payment and you’re 55 or older, a sale is one answer, not the only one. A reverse mortgage line of credit can take the payment off the table while you keep the house. Read the Colorado reverse mortgage page before you decide anything.
If you need a defined amount and want to keep the house and the rate you have, the equity calculator shows what’s there to borrow against, without selling.
If you’re moving, this is your number, and I’ll list the house. As the lender and the listing agent I see both sides of the sheet — what you net here and what that buys you next.
Nobody should sell a house because a calculator told them to. The calculator tells you what’s possible. The conversation tells you whether it’s right.
— Bobby Friel · CO Home Equity
If you had this number in hand today — the real one, after everything — what would it change first: where you live next, or whether you move at all?
Selling in Colorado — Questions Answered
Your Number. Then a Conversation.
The first call is about what’s going on and what you’re weighing — sell, borrow, or stay. No presentation. When you’re ready, I list it and lend on the next one.
Net proceeds are an estimate. The title company's net sheet and your settlement statement are the real numbers.
Bobby Friel is a licensed Colorado real estate agent and mortgage broker based in Edwards. He lists homes across Colorado and lends on the next one. 42 five-star Google reviews. (720) 799-2202 · info@cohomeequity.com.
Bobby Friel · NMLS# 332039 · Friel-Good Mortgage, Inc. · NMLS# 1901977 · Edwards, Colorado