Download the illustrated Seller proceeds PDF
WORK IT OUT WITH YOUR OWN NUMBERS
Your editable seller proceeds worksheet
Replace these hypothetical inputs with your offer, current payoff and itemized closing estimate. Compensation is negotiable; enter only the amount required by your agreements and avoid counting it twice.
Calculations stay in your browser. Your financial inputs are not sent to us.
Sale price minus seller obligations equals estimated proceeds. Deduct your next-move costs separately. The written settlement statement controls actual disbursement.
Start with the right equation
Sale price and money available for your next purchase are different numbers.
Build the inputs
| Input | Where it should come from |
|---|---|
| Price | The offer or a clearly labeled pricing scenario |
| Mortgage payoff | Formal payoff estimate, including through-date and daily interest |
| Compensation | Your signed agreements and the negotiated transaction |
| Title / closing / legal | An itemized quote from the closing professional |
| Taxes / HOA / assessments | Current records and contract allocation |
| Buyer credits / repairs | The signed contract and amendments |
| Other liens or obligations | Title review, recorded liens, equipment or solar agreements |
Real estate compensation is negotiable. There is no universal commission rate in this worksheet. Enter what your agreements actually require, including any separately negotiated buyer-side compensation, without counting the same amount twice.
Keep moving, temporary housing, purchase closing costs, and post-sale taxes in a separate household cash plan. They can reduce the money available for your next move even when they do not appear as deductions on this sale’s settlement statement.
A worked proceeds example
Every amount on this page is a hypothetical teaching input.
Illustrative sale
| Line | Amount |
|---|---|
| Sale price | $450,000 |
| Mortgage payoff | − $285,000 |
| Negotiated brokerage compensation, example only | − $18,000 |
| Title / closing / legal estimate | − $3,200 |
| Buyer credit | − $6,000 |
| Prorations and other seller charges | − $2,400 |
| Agreed repairs paid from proceeds | − $1,500 |
| Estimated seller proceeds | $133,900 |
The example subtracts $316,100 of total obligations from $450,000. It is not a quote for Pensacola closing costs or compensation. A different payoff date, title issue, credit, or assessment changes the result. Get a written estimate for the actual property.
How one change affects this example
| Change, with all else held equal | Revised proceeds |
|---|---|
| Price rises by $5,000 and costs stay fixed | $138,900 |
| Buyer credit rises by $4,000 | $129,900 |
| Additional lien payoff of $10,000 | $123,900 |
Compare two offers
Evaluate the cash result and the conditions that support it.
Hypothetical comparison
| Term | Offer A | Offer B |
|---|---|---|
| Price | $450,000 | $445,000 |
| Buyer credit | $10,000 | $2,000 |
| All other seller obligations, assumed equal | $310,100 | $310,100 |
| Estimated proceeds | $129,900 | $132,900 |
| Closing / conditions | Review the actual offer | Review the actual offer |
In this example, Offer B produces $3,000 more estimated proceeds despite its lower price. It is not automatically the better choice: financing, inspection rights, an appraisal gap, a home-sale contingency, closing timing, and possession can affect the decision.
Before choosing
- Recalculate with the costs that actually change between offers.
- Read the buyer’s financing evidence and proof of cash for any gap.
- Identify conditions that could reopen negotiations or prevent closing.
- Confirm whether the dates avoid expensive temporary housing or a missed purchase deadline.
- Ask for a net sheet that identifies estimates and unresolved charges.
Sources: CFPB: Get a preapproval letter. Reviewed 2026-09-06.
Your proceeds workbook
Bring this to the offer review and update it before closing.
Sale calculation
- Proposed sale price:
- Mortgage payoff / payoff through-date:
- Additional liens or equipment obligations:
- Negotiated compensation under all applicable agreements:
- Title / closing / legal / recording:
- Buyer credits / repairs / assessments:
- Tax and association prorations, plus or minus:
- Estimated net proceeds:
Questions for the closing professional
Resolve uncertainty while there is time to act.
Ask for a property-specific answer
- Is the payoff current through the expected funding date, and what is the daily interest afterward?
- Does title show any additional lien, ownership, estate, trust, or signing issue?
- Which tax and association amounts are prorated, and who pays special assessments under the contract?
- Are any funds held back for repairs, occupancy, or another condition?
- Which expenses have already been paid outside closing?
- How and when will proceeds be disbursed after all conditions are satisfied?
- What identity and signing documents are required?
- How do we verify payment instructions through a trusted channel?
Save the final settlement statement and supporting records. Ask your agent for a closing handoff checklist covering possession, keys, utilities, insurance, warranties, and the next transaction. A clean handoff protects the result you worked to achieve.
Final confirmation
- Final estimated proceeds / date prepared:
- Remaining unknown charge / owner / due date:
- Verified disbursement instructions confirmed with:
Sources: CFPB: Documents before closing. Reviewed 2026-09-06.
Your next step
Use the client guide library with our buyer representation, seller services, and neighborhood guides. Contact Gregg to build a property-specific plan.