Seller Net Proceeds Calculator
See what a seller actually pockets after commissions, closing costs, prep, repairs, and the mortgage payoff — and compare a traditional agent sale against an as-is cash offer side by side.
Traditional sale (with agents)
Investor sale, as-is (no commission)
Lower headline price, but no commissions, prep, or repairs.
The traditional sale nets the seller $10,500 more here. Adjust the cash offer to find where the two meet.
The sticker price is not the outcome. Commissions and the payoff usually account for more of the gap between price and proceeds than sellers expect, which is why two offers can rank differently before and after costs.
Where the money goes
Four things stand between the sale price and the cheque. Agent commissions are usually the largest single deduction on a traditional sale. Sales and closing costs cover title, escrow, transfer taxes, and the smaller line items that scale with price. Prep and repairs are the spending needed to get the property listed and through an inspection — easy to underestimate because it’s spread over months. Finally the mortgage payoff clears whatever is still owed, including interest accrued to the closing date.
An as-is investor sale removes most of the first three and usually offers less for the property in exchange. Whether that trade favours the seller is an arithmetic question, not a matter of opinion, and it turns on how much prep and repair the traditional route would actually have required. A property in good condition generally nets more on the open market; one needing real work often doesn’t, once the repairs and the extra months of carrying costs are counted.
If you’re on the buying side of that same conversation, the deal analyzer works the numbers from the investor’s end — what the property can support as an offer once rehab, financing, and resale costs are accounted for.
Frequently asked questions
Educational tool only. Estimates net proceeds at closing, not your after-tax result — confirm commission rates and closing costs with your agent and request a written payoff quote from your lender. Not investment, tax, or legal advice.
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