Seller Net Sheet Calculator

An estimate of the money you walk away with when you sell: the sale price minus your loan payoffs, commissions, transfer taxes, title and escrow charges, disclosure and compliance costs, credits you give the buyer and the property tax proration. Your escrow officer prepares the final closing statement.

By local custom the buyer usually pays the owner's title policy and the escrow fee in San Mateo County and San Francisco, and the seller usually pays both in Santa Clara County. The purchase contract decides, so a buyer can ask you to pay some or all of them. The calculator lets you change who pays.

San Mateo and Santa Clara counties charge $1.10 per $1,000 of the price, usually paid by the seller. Some cities add their own tax on top: San Mateo charges 0.5% (1.5% at $10 million and up), Hillsborough $0.30 per $1,000, Palo Alto and Mountain View $3.30 per $1,000, and San Jose $3.30 per $1,000 plus Measure E on homes from $2.3 million. Portola Valley voters approved a 1% tax in November 2026. City taxes are usually split with the buyer. San Francisco has one combined tax, from 0.5% to 6% depending on the price.

Not automatically. Since August 2024 the buyer signs an agreement with their own agent, and their offer can ask you to pay that agent. You can accept, counter or decline, so the calculator treats it as a line you control in each offer.

Escrow prorates the tax year that runs July 1 to June 30 on a 360 day year. You pay through the day before closing. If you already paid an installment that covers days after closing, you get a credit; if not, the amount you owe comes out of your proceeds. Enter the yearly total from your tax bill.

Credits to the buyer, a request that you pay their agent, lender fees or a rate buydown, a home warranty and a later closing date all come out of your proceeds. Compare two offers puts them side by side so you can see the real difference.

Yes. Conventional loans allow 3% of the price with under 10% down, 6% with 10% to 25% down and 9% with more; FHA allows 6% and VA 4% in concessions. Jumbo lenders set their own limits. Seller paid buyer's agent fees do not count toward these limits. The calculator warns you when a credit looks too high.

Repairs, staging, moving costs and capital gains tax. Ask a tax professional about the gain on your sale; most owners who lived in the home 2 of the last 5 years can exclude up to $250,000, or $500,000 for a married couple.