Estimate your net proceeds before you sell.
Estimated net proceeds
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A seller's net sheet estimates how much money a seller may receive after the sale price is reduced by loan payoffs, brokerage compensation, seller credits, title fees, transfer taxes, property tax prorations, assessments, and other closing costs.
Your estimated net proceeds can change because final payoff statements, negotiated credits, title charges, closing date, property tax proration, assessments, and contract terms may not be fully known until the transaction is closer to closing.
Loan payoffs reduce your net proceeds because your mortgage balances must be paid from the sale before remaining funds are released to you. If you have a first mortgage, second mortgage, home equity loan, or lien, each payoff should be included in the estimate.
Brokerage compensation is usually calculated as a percentage of the sale price, then shown as a seller cost in the net sheet. If the seller is also offering buyer brokerage compensation, that amount should be calculated separately so the seller can see the full impact.
A seller concession is money the seller agrees to contribute toward the buyer's costs or another negotiated item, and it lowers the seller's net proceeds. A seller credit is often used in the same practical way, but the exact wording should match the purchase agreement and closing statement.
The closing date matters because property taxes are often prorated based on the portion of the year the seller owned the property. A later closing date can increase the seller's tax proration, while an earlier closing date can reduce it.
Common seller-side title and recording costs can include a closing fee, document preparation or processing fee, conservation fee, state deed tax, and any county or title-specific charges that apply to the transaction.
Minnesota state deed tax is a transfer tax commonly paid when real estate changes ownership, and it is typically based on the sale price. Some counties may have a slightly different total rate, so the county selection matters when estimating this number.
Yes, assessments, agreed repair credits, warranties, staging costs, or other seller-paid items should be included if they are expected to affect the final closing statement. Leaving them out can make the estimated net proceeds look higher than the seller may actually receive.
Use a seller's net sheet to estimate how much equity may be available for your next down payment, closing costs, reserves, or moving expenses. It is especially useful before making an offer on another home because it helps connect your sale price, payoff amount, and next purchase budget.