The Real Estate Professor — Free Tools
FSBO Net Proceeds Calculator
The number that matters is the one you walk away with
Sale price is the headline; net proceeds are the story. Before you list, know what actually lands in your pocket after the mortgage payoff, the selling costs, the transfer taxes, and any credits you negotiate at the inspection table. Run it both ways below — your route and the traditional commission route — and the decision usually makes itself.
Reading your number
Transfer taxes and recording fees vary widely by state and county — some places take a fraction of a percent, others take north of two — so confirm your local rate; the settlement company quarterbacking your closing will know it to the penny. The repair-credit line is there because in the real world, the inspection produces a list, and the smart play is often a credit rather than a rushed repair. Budget for it up front and it never surprises you.
Two rules for getting to this number at full price. First: no offers in thirty days is always price versus condition — the market votes every week, and silence is a vote. Second: your obligation at the inspection table is to deliver working electrical, plumbing, HVAC, and mechanical systems; everything else is negotiable. Know your bright line before the repair list arrives and you'll negotiate from strength instead of panic.