Seller Net Sheet

Estimated Seller Proceeds Calculation Worksheet

This worksheet provides an itemized estimate of the net proceeds a seller may receive at closing after all typical costs, commissions, payoffs, and prorations. All variable values are entered as [[Token Name]] placeholders. Figures are estimates only.

Prepared for: [[Seller Full Name(s)]]
Property: [[Full Property Address, City, State, ZIP]]
Estimated Closing Date: [[Closing Date]]
Prepared by: [[Agent / Broker Name and Company]] on [[Preparation Date]], -

Section 1, Key Inputs (Enter All Known or Estimated Values)

• Sale Price (Contract Price): [[Sale Price Amount]]
• Listing Broker Commission Rate: [[Listing Commission Percentage, typically 2.5%, 3%]]
• Buyer Broker / Selling Commission Rate: [[Buyer Broker Commission Percentage, typically 2.5%, 3%]] (Total often 5%, 6%)
• Other Concessions or Seller Credits to Buyer: [[Amount or Percentage, e.g. closing cost assistance]]
• Current First Mortgage Payoff (principal + accrued interest estimate): [[Mortgage Payoff Amount]]
• Second Mortgage / HELOC Payoff (if any): [[Second Mortgage Payoff Amount or 0]]
• Property Tax Proration (estimated seller share): [[Property Tax Proration Amount, positive = seller owes at closing]]
• HOA / Condo Assessments Proration or Transfer Fees: [[HOA Proration / Transfer Amount]]
• Other Prorations (rent, utilities, etc.): [[Other Proration Amount]], -

Section 2, Gross Sale Proceeds

Contract Sale Price: [[Sale Price Amount]]

This is the gross amount before any deductions. Adjustments for buyer concessions or credits are handled in the deductions section., -

Section 3, Real Estate Broker Commissions

Commissions are typically the largest single deduction. Rates vary by market and negotiation; common combined rates range from 5% to 6% of the sale price but may be lower or structured differently.

Commission Notes: [[Any special arrangements, flat fees, rebates, or bonus structures: [[Commission Special Terms]]]], -

Section 4, Title, Escrow, and Closing Costs Typically Paid by Seller

The allocation of closing costs varies significantly by state, local custom, and contract negotiation. The following are common seller-paid or split items. Enter actual or estimated amounts based on quotes from title/escrow company.

Title Company / Escrow Provider: [[Title Company Name and Quote Reference]], -

Section 5, Mortgage Payoffs and Related Costs

- First Mortgage Payoff Quote (good through closing date): [[First Mortgage Payoff Amount]]
Includes principal balance + per diem interest + any prepayment penalties or fees. Obtain current payoff statement from lender.

• Second Mortgage / HELOC / Other Lien Payoff: [[Second Lien Payoff Amount]]

• Prepayment Penalty or Early Payoff Fee (if applicable): [[Penalty Amount or "None"]]

• Mortgage Interest Proration (accrued from last payment to closing): Usually included in the payoff quote or calculated separately.

Lender Payoff Contact(s): [[Lender Name(s) and Loan Number(s)]], -

Section 6, Prorations and Adjustments

Prorations allocate ongoing expenses between seller and buyer as of the closing date. Seller typically pays for the period of ownership.

- Real Property Taxes:
Annual tax: [[Annual Property Tax Amount]]
Estimated seller portion through closing: [[Seller Tax Proration Amount, usually debit to seller]]
Note: Some jurisdictions use fiscal year or have special assessment districts.

- HOA / Condo / POA Regular Assessments:
Seller share of current period: [[HOA Proration Amount]]

- Rent (if tenant-occupied and rents assigned):
Seller credit or debit for prepaid / accrued rent: [[Rent Proration Amount]]

• Utility / Service Prorations (if billed in arrears or assigned): [[Utility Proration Amount]]

• Other Prorations or Credits: [[Describe: [[Other Prorations]]]], -

Section 7, Seller Credits, Concessions, Repairs, and Warranties

• Buyer Closing Cost Assistance / Price Reduction: [[Buyer Concession Amount]]

• Repair Credits or Allowances per Inspection / Contract: [[Repair Credit Amount]]

• Home Warranty / Protection Plan (seller-paid): [[Home Warranty Premium Amount, Plan Type: [[Warranty Plan]]]]

• Personal Property Included or Exclusions Affecting Price: [[Details]]

• Other Seller-Paid Items or Incentives: [[List e.g. staging reimbursement, moving, etc.]], -

Section 8, Estimated Net Proceeds Calculation

Use the following summary to estimate cash to seller at closing. All amounts should be entered as positive numbers; the worksheet logic applies signs.

Gross Sale Price: [[Sale Price Amount]]

Less:

• Total Broker Commissions: [[Total Commissions Amount]]
• Title / Escrow / Closing Costs (seller share): [[Total Title/Escrow Seller Costs]]
• Transfer / Documentary / Excise Taxes: [[Transfer Tax Amount]]
• Recording and Administrative Fees: [[Recording/Admin Fees]]
• HOA / Condo Transfer and Related Fees: [[HOA Transfer Fees Total]]
• Attorney Fees (if seller-paid): [[Attorney Fees]]
• First Mortgage Payoff (incl. interest/fees): [[First Mortgage Payoff Amount]]
• Second Mortgage / Other Lien Payoffs: [[Second Lien Payoff Amount]]
• Seller Concessions / Repair Credits: [[Total Concessions and Credits]]
• Prorations (taxes, HOA, etc., net debit): [[Net Prorations Debit]]
• Other Deductions / Adjustments: [[Other Deductions Amount]]

Estimated Total Deductions: [[Sum of All Deductions Above]]

Estimated Net Proceeds to Seller: [[Sale Price Amount − Total Deductions]]

Approximate Cash at Closing (after any holdbacks or adjustments): [[Final Estimated Net to Seller]]

Note on Rounding and Final Figures: Title companies will provide a final Closing Disclosure (CD) or settlement statement. Minor variances from this worksheet are normal due to exact per diems, updated quotes, and last-minute adjustments., -

Section 9, Assumptions and Variables Used in This Estimate

The following assumptions were applied. Update any that change:

• Commission rates and splits as entered above.
• Standard local custom for payment of title/escrow fees (adjust if contract overrides).
• No unexpected liens, judgments, or code violations requiring payoff.
• Payoff quotes are accurate as of the date obtained and valid through closing.
• No short sale, foreclosure, or relocation company involvement unless noted: [[Special Circumstances or "None"]]
• Property is free of tenant issues affecting prorations unless noted.
• No seller financing or carryback notes.
• Standard 30, 60 day closing timeline with no extensions.

Additional Assumptions: [[List any other key assumptions used in the calculations]], -

Section 10, Important Disclaimers

This Seller Net Sheet is an estimate only prepared for planning and informational purposes. It is not a guarantee of final proceeds, a commitment by any party, or a substitute for the official Closing Disclosure or settlement statement that will be provided at or before closing under the Real Estate Settlement Procedures Act (RESPA), 12 U.S.C. § 2601 et seq., and its implementing regulations (Regulation X).

Actual amounts will differ based on:

• Final negotiated terms in the purchase agreement and any amendments
• Updated lender payoff statements (including per diem interest)
• Exact prorations calculated to the day of closing
• Title company fees, endorsement costs, and recording charges at time of closing
• Any new liens, assessments, or claims discovered during title examination
• Changes in tax rates, HOA dues, or other recurring charges
• Buyer and lender requirements or credits

Sellers should obtain current written quotes from the title/escrow company, lenders, HOA, and tax assessor, and should review the preliminary Closing Disclosure when received. Consult a qualified real estate professional, closing attorney (in states where applicable), and tax advisor for advice specific to your transaction and jurisdiction.

This worksheet does not constitute legal, tax, or financial advice., -

*Seller Net Sheet, Estimates only. Not a guarantee. RESPA governs federally related mortgage transaction closing cost disclosures. Commission rates, transfer taxes, and closing cost customs vary by state and locality. Verify all figures with your transaction team prior to closing. Information current as of June 2026.*