helpful.app · Home Sale Tools

What will you
actually walk away with?

Agent commissions, closing costs, mortgage payoff, transfer taxes — every line item that stands between your sale price and the check you deposit. Finally, the real number.

💬 "I thought I'd net $180k. The real number was $142k. I wish I'd known sooner."

Your Sale

Start with your expected sale price — we'll calculate everything else from here.

Expected Sale Price

Not sure? Zillow or Redfin gives a rough estimate. Your agent's CMA is more accurate.

State

Property Type

Year Purchased

Original Purchase Price

Mortgage & Liens

What you still owe. Gets paid from proceeds at closing.

Current Mortgage Balance iYour remaining principal balance — not your monthly payment. Check your last statement or log into your mortgage servicer's portal.

Second Mortgage / HELOC iIf you have a home equity line of credit or second mortgage, enter the current balance. Enter 0 if none.

Additional liens (HOA, judgments) ⌄

HOA Special Assessment

Other Liens / Judgments

Selling Costs

Every fee between contract and closing table. Most sellers are surprised by how many there are.

Your Agent's Commission iThe commission you pay your listing agent. Typically 2.5–3%. After the 2024 NAR settlement, commissions are fully negotiable.

Buyer's Agent Commission iPost-NAR settlement (2024), this is no longer required to be paid by the seller — but many sellers still offer it to attract more buyers. 0–3% is now the range.

Title Insurance (seller) iProtects the buyer's lender and title. In Ohio, the seller typically pays for the owner's title policy. Usually ~0.4–0.6% of sale price.

Transfer Tax iOhio state transfer tax is $1/$1,000. Cuyahoga County adds $3/$1,000. Total is typically $4/$1,000 ($4 per $1,000 of sale price). We've set the Ohio default.

Closing / Escrow Fees iTitle company or attorney closing fee. In Ohio, typically $1,500–2,500 flat. We default to $1,800.

More closing costs (attorney, taxes, HOA) ⌄

Attorney Fees

Ohio doesn't require a closing attorney, but many sellers use one ($500–1,200)

Prorated Property Taxes iYou owe taxes for the portion of the year you owned the home. In Ohio, taxes are paid in arrears, so sellers typically give the buyer a credit at closing. Enter your annual tax bill here and we'll estimate the proration.

Annual property tax bill

HOA Transfer Fee

If applicable — typically $200–500

Pre-Sale Costs

What you spend before listing. Optional but affects your net.

Repairs / Updates

Staging iProfessional staging can increase sale price significantly — often $2 for every $1 spent in strong markets. Even partial staging (main rooms only) makes a measurable difference.

Home Warranty iMany sellers offer a 1-year home warranty to buyers to reduce negotiating friction after inspection. Typically $500–800.

Include estimated moving costs ($1,500–4,000)

🏡

Your proceeds are calculated.

Enter your name and email to unlock your complete breakdown — including where every dollar goes and what your equity position means for your next move.

We'll email you a copy of your full breakdown as a PDF.

Your Estimated Net Proceeds

Based on a $0 sale price

after all costs and mortgage payoff

Where Every Dollar Goes

Key Numbers

🤝

Want a professional to walk through this with you?

A HomeSwerv-connected agent can review your full situation, suggest which repairs actually move the needle on your sale price, and help you time your move. No pressure — just a conversation about your options.

Talk to a Local Agent

helpful.app · Home Sale Net Proceeds Calculator
Estimates only. Closing costs vary by county, lender, and negotiation. Consult your agent and title company for exact figures.
Capital gains information is general guidance — consult a tax professional for your specific situation.