What You Actually Walk Away With: A Seller's Net Sheet

A net sheet is one page of subtraction. Sale price at the top, everything that comes out along the way, and what’s actually yours at the bottom. Any agent worth working with will build you a real one before you list. This is the shape it takes.

The math, in order

Start with your sale price and work down through, in this order:

1. Payoff of your existing mortgage and any home equity line
2. Real estate commission
3. Title insurance, escrow, and recording fees
4. Prorated property taxes and any HOA dues owed
5. Any repair credits or concessions negotiated with the buyer

What’s left after all of that is your net proceeds.

A worked example

Using the current St. George median sale price as a stand-in, not a claim about what your home is worth:

Change the mortgage balance or the sale price and every line below it moves. That’s the entire reason a generic percentage (“sellers typically net 90% of sale price”) isn’t that useful on its own. Your actual equity position does most of the work here, not the closing costs.

Where your real number comes from

Two inputs drive everything above: your home’s actual value and what you still owe on it. We can get you the first one in about a minute. Your mortgage payoff is on your most recent loan statement, or a quick call to your lender.

Once you have both, your local agent can build out the full net sheet with real numbers instead of a median-price stand-in.