Sale price and net proceeds are two different numbers. Here's how to estimate what you'll actually put in your pocket after commissions, closing costs, and your remaining mortgage.
Your Estimated Proceeds
| Sale Price | — |
| Agent Commission | — |
| Closing Costs | — |
| Mortgage Payoff | — |
| Estimated Net | — |
This calculator provides estimates for informational purposes only. Results are not a commitment to lend. Contact a licensed mortgage professional for accurate figures. Loan products and rates subject to change.
Jordan works with sellers-turned-buyers every week. He can help you time the sale, bridge the gap, and line up the next home without a complicated transition.
Most sellers anchor on the listing price. That's understandable, but it's the wrong number to plan around. The real number is what you keep after agent commissions, closing costs, your remaining mortgage balance, and any other liens or payoffs are settled.
In Florida, sellers typically cover both agents' commissions when a buyer's agent is involved, plus doc stamps on the deed, title insurance, and prorated property taxes at closing. Those costs add up fast. On a $400,000 sale, 7% in combined commissions and closing costs is $28,000 off the top before your mortgage payoff.
If you're planning to buy your next home immediately after selling, your net proceeds directly affect your down payment and cash-to-close. Getting a clear picture before you list is how you avoid surprises at the closing table. Our home buying process guide walks through what to expect on the purchase side.
If you're carrying a large mortgage balance relative to your expected sale price, it's worth running a quick check before you commit to a listing price. In some cases, the math on a short sale or a delayed sale looks very different from what sellers expect. Your closing process overview covers the full picture from contract to keys.
Whether you're selling, buying, or doing both, start with a conversation.
