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Tool · For sellers

What you actually walk away with

Not what your house is worth — what lands in your account after the loan, the commissions, the county's transfer tax and everything else comes out.

The sale
$
$
Current balance plus any interest to closing. Your servicer will give you an exact payoff demand.
$
HELOC, solar lease buyout, PACE assessment, contractor lien.
Commissions
%
%

Set this one deliberately. Since the 2024 rule changes, offers of compensation to a buyer's agent are not made through the MLS, and whether you contribute anything toward the buyer's representation is negotiable — including zero. Buyers may ask for it in their offer, and in some markets declining costs you buyers. Both figures here are negotiable and neither is set by law or by any association. Model it at 0% as well and see what it's worth to you.

Closing costs
$
Seller's share. Varies by price and by who pays what — that's negotiated in the contract.
$
Paint, cleaning, landscaping, staging, and whatever comes out of the inspection.
$
Repair credits or closing-cost help negotiated after inspection.
$
Home warranty, HOA transfer and document fees, natural hazard report, prorated taxes owing.

Documentary transfer tax is calculated for you at the San Diego County rate of $1.10 per $1,000 of value. The City of San Diego adds no separate transfer tax of its own. It is customarily paid by the seller here, though like everything else it is negotiable.

Nothing you type here leaves your device

This calculator runs entirely in your browser. There is no server, no account, no tracking of what you enter, and nothing is sent to me. Close the tab and it's gone. If you want me to look at your actual numbers, that's a phone call — not a form.

Estimated net proceeds

—

—

Sale price—
Loan payoff & liens—
Commissions—
County transfer tax—
Escrow, title & recording—
Prep, repairs & credits—
Other—
You walk away with—

Assumptions & exclusions

  • County documentary transfer tax at $1.10 per $1,000, seller-paid.
  • No capital gains tax calculated. The federal exclusion on a primary residence is substantial for most sellers, but eligibility depends on your circumstances. Ask a CPA — I'm not one, and this is the number people most often guess wrong.
  • No proration of property taxes, HOA dues or rent, which is settled at closing and depends on the date.
  • No moving costs, and no cost of your next home.
  • If you have a Mello-Roos or PACE assessment, check whether any part must be settled at closing.
This is an estimate, not a quote

It is built for planning and comparison, not for closing. Real figures depend on your lender, your parcel, your insurer and your escrow. Capital gains treatment is excluded entirely and can be significant. Verify against your actual tax bill, your lender's Loan Estimate, and your escrow's settlement statement before you rely on any of it.

Over 55 and selling a house you've been in a long time?

Stop before you list. Proposition 19 may let you carry your existing property tax base to your next home anywhere in California — and for someone who bought decades ago, that is very often a larger number than anything on this calculator. The sequence of your sale and purchase can matter.

How Proposition 19 works →