A seller net sheet calculator that starts listing conversations
This seller net sheet calculator for agents lets a homeowner estimate what they'd walk away with: sale price, minus mortgage payoff, commission, seller closing costs and repairs. They run it on your website months before they're ready to list. When they want the figure sent to them, you get a seller lead with their expected price and payoff already filled in.
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What is a seller net sheet, and why put one on your website?
A seller net sheet estimates a homeowner's proceeds from a sale after the mortgage payoff, commission, closing costs and other charges. On your website it answers the question sellers have long before they call an agent, and it turns that question into a lead you can follow up with real numbers.
When you'd send it
When to put the Seller Net Sheet Calculator in front of people
Months before the listing appointment
Homeowners who are 'thinking about selling next spring' rarely book a valuation. Many will happily type in a price and a payoff to see a net. Put the calculator on your home page and your 'What's my home worth' page so they find it while the idea is still forming.
After a price reduction conversation
When you're discussing a reduction, send the seller a link with the new price. Seeing the net drop by a specific amount is clearer than any percentage, and it keeps the decision about their walk-away number, not about you.
When two offers are on the table
A higher price with a large repair credit can net less than a cleaner, lower offer. Run both through the net sheet with the seller on the phone so the comparison is on paper, not in your head.
What your visitor sees
The homeowner sees a short form: sale price, mortgage payoff, commission percentage, seller closing costs as a percentage, and a line for repairs and other costs. The result shows an estimated net with each deduction itemized. They're deciding whether selling makes sense at a price they have in mind, and whether their equity covers the next down payment.
The lead you receive
A seller lead with their price and payoff already filled in
When the homeowner asks for their net sheet, you receive their contact details, the Sale Price they assumed, their Mortgage Payoff, the Agent Commission and Closing Costs they entered, Other Costs, and the Estimated Net Proceeds they saw. That's the basis of a pricing conversation before you've even pulled comps.
Follow-up that works
Call within the hour and lead with their net, not your listing pitch: 'I saw you were looking at around $160,000 after payoff. Want me to check that price against recent sales?'
Send a short CMA that tests their assumed price, and rerun the net sheet at the price the comps support.
Tag the lead by timeline in your CRM. Many of these sellers are three to nine months out and belong in a nurture sequence, not a hard close.
New lead · Seller Net Sheet CalculatorJust now
What your visitor enters
Sale Price
their input
Mortgage Payoff
their input
Agent Commission (%)
their input
Seller Closing Costs (%)
their input
Repairs & Other Costs
their input
What they see (and what you receive)
Estimated Net Proceeds
their result
Sale Price
their result
Mortgage Payoff
their result
Agent Commission
their result
Closing Costs
their result
Contact and source
Name, email, phone
with consent
Page and campaign
UTM · referrer
Say it like this · Calling a seller lead the same day
Hi, this is [your name] with [your brokerage]. You ran our net sheet this morning at $425,000. Can I send you three recent sales nearby so we can see if that price holds up?
Before and after
Your page before and after this calculator
BeforeAfter
What's my home worth?
What's my home worth?Request a valuation
What's my home worth?
See your estimated netSale price$425,000Mortgage payoff−$238,000Commission & closing−$27,600Est. net proceeds$159,400Send me my net sheet
Before: What's my home worth?
An address-only form that promises an instant value
The homeowner gets a number from somewhere else and leaves
You get an address and no idea what they expect
After: See your estimated net
The homeowner enters the price they have in mind and their payoff
They see what they'd walk away with, line by line
You get their expectations before the first call
Reading the results
What each result means for your follow-up
The same figures your visitor sees arrive in your lead record. Here's how to read the ones that matter.
Estimated Net Proceeds
What the seller would receive at closing under their own assumptions. It's the number they'll anchor on, so if it's unrealistic, address the price assumption first, not the deductions.
Mortgage Payoff
Their own estimate of the balance. Sellers often use the principal balance from a statement and forget accrued interest or a second lien. Ask whether there's a HELOC or second mortgage before you quote a net.
Agent Commission
Calculated from the percentage the seller entered. It's their figure, not yours. It's a natural place to explain what's included in your service, and commission is always negotiable.
Closing Costs
Seller-side costs such as title, transfer taxes and attorney fees, entered as a percentage. Transfer taxes vary widely by state and county, so check local rates before you rely on the figure.
What can go wrong
Mistakes that cost agents the lead
Treating the estimate as a promise
A net sheet is a planning estimate. The settlement statement at closing is the binding figure. Say so on the page and in your follow-up so a seller never feels misled when the final numbers move.
Defaulting the commission field
If your embed pre-fills a commission rate, it can read as a quoted or 'standard' fee. Leave the field for the seller to fill in, or explain that commission is negotiable and varies.
Ignoring local transfer taxes
In some states and cities, transfer or excise taxes are a significant seller cost. Customize the closing-cost default for your market, or seller expectations will run high.
Inside the Seller Net Sheet Calculator
What your visitor enters (5)
Sale Details
Sale Price
Mortgage Payoff
Seller Costs & Deductions
Agent Commission (%)
Seller Closing Costs (%)
Repairs & Other Costs
Field names are shown as they appear in the calculator's English interface.
What they see (and what you receive) (6)
Estimated Net Proceeds
Sale Price
Mortgage Payoff
Agent Commission
Closing Costs
Other Costs
Definitions shown in the calculator (9)
Seller net sheet
A worksheet that estimates what a seller will walk away with after a sale, starting from the price and subtracting the mortgage payoff, agent commission, closing costs and other charges. It is a planning estimate used to price a home or weigh an offer; the settlement statement at closing is the binding figure.
Net proceeds
The cash paid to the seller at closing: sale price minus mortgage payoff, commission, seller closing costs and other deductions. It is not the same as profit, because it ignores what you originally paid and spent on improvements. If the figure is negative, the seller must bring money to closing to complete the sale.
Mortgage payoff
The amount needed to pay off every loan secured by the home at closing, including any second mortgage or home equity line. It is usually a little higher than the balance on your statement, because it adds interest through the payoff date and possible fees. Request a payoff statement from the servicer for the exact figure.
Agent commission
The fee paid to real estate agents for the sale, entered here as a percentage of the sale price. It is often split between the listing agent and the buyer’s agent, though arrangements vary and are negotiable. Because it is charged on the full price, it is usually the largest deduction after the mortgage payoff.
Seller closing costs
Settlement charges paid by the seller, such as title fees, transfer taxes, attorney or escrow fees and recording charges, entered here as a percentage of the sale price. Who pays which costs depends on local custom and the purchase contract, so the percentage can vary considerably between states and even counties.
Transfer tax
A tax some states, counties or cities charge when real estate changes hands, usually figured on the sale price. Rates and who pays vary widely, and some areas charge none. It is part of the seller closing costs percentage in this calculator, so check the local rate if you want a closer estimate.
Seller concessions and repair credits
Money the seller agrees to give the buyer at closing, often to cover repairs found during inspection or part of the buyer’s closing costs. They reduce net proceeds dollar for dollar, as do staging and pre-sale repairs. Enter them in the repairs and other costs field, which is deducted as a fixed amount.
Settlement statement
The itemized document prepared at closing that lists every charge and credit for the buyer and seller, and the final amount each pays or receives. It replaces any estimate, including this one. Reviewing a draft before closing is the best way to catch errors in the payoff, commission or prorated taxes.
Capital gains on a home sale
The taxable profit from a sale: the price minus selling costs and your adjusted basis, meaning purchase cost plus improvements. Owners of a primary residence may exclude a portion of the gain if they meet IRS ownership and use tests. This calculator shows cash proceeds only and does not estimate any tax due.
Calculator disclaimer
Estimates only. Net proceeds depend on your final sale price, payoff amount, commission and closing costs at settlement. Your settlement statement is the binding figure.
Calculator results are estimates for illustration, not Loan Estimates, pre-approvals or offers of credit.
How does the seller net sheet calculate net proceeds?
It starts from the sale price and subtracts the mortgage payoff, commission (sale price × the percentage entered), seller closing costs (sale price × the percentage entered) and any fixed repairs or other costs. The result is an estimate. Prorated property taxes, HOA dues, liens and payoff interest can change the final figure, which appears on the settlement statement.
Does it include prorated property taxes and HOA dues?
Not as separate lines. Prorations depend on the closing date and on whether taxes are paid in arrears in your state, so they go into closing costs or other costs. If your market has large prorations, tell sellers to add an estimate to 'Repairs & Other Costs'.
Can it show capital gains tax on the sale?
No. Tax on a home sale depends on ownership and use, the primary-residence exclusion and the seller's tax situation. Point sellers to a tax adviser. For investment property, the 1031 exchange calculator estimates deferred and recognized gain.
When should I send a seller the net sheet link?
Early and often. Send it before the listing appointment so they arrive with expectations you can see, after a price reduction discussion, and when comparing offers. Each time they rerun it, a returning visitor's new calculation is added to the same contact record.
What if a seller's expected price is far above the comps?
Lead with their numbers, not a correction. Acknowledge the price they used, send recent sales, and rerun the net sheet at the price the comps support. Seeing the net side by side at two prices usually moves the conversation more than an argument about value.
Is this a replacement for a CMA?
No. The net sheet answers 'what would I walk away with at this price?' A CMA answers 'what price is realistic?' Use the net sheet to capture the lead and frame expectations, then follow with a CMA that tests the price the seller assumed.
Which plan includes the Seller Net Sheet?
The Seller Net Sheet is one of the Real Estate & Pros tools, which come with the Brokerage plan ($210/month, with a 14-day free trial). The buyer tools are on every plan, including the free Agent plan. See pricing for what each plan includes.
Can I pre-fill my market's typical closing-cost percentage?
Yes. In the calculator settings you can set default values for each field, change labels and choose which fields show. Set seller closing costs to what's typical in your county, and consider leaving commission blank so the seller enters their own figure.
Where should the net sheet live on my site?
On your home page, your seller or 'sell my home' page, and any home-valuation page. You can also send it as a direct link in emails, texts and your email signature, or add it to a widget alongside a mortgage calculator for move-up sellers.