See exactly what you'll walk away with after selling your home — with California transfer taxes, escrow, title, optional capital gains, and non-resident withholding all factored in.
iAll numbers shown are estimates only. They are not tax, legal, or financial advice. Consult a licensed California real estate agent and a CPA before relying on any figure for a real transaction.
1 · Sale
2 · Costs
Your Result
Enter your numbers, then click Calculate Net Proceeds. You'll create a free account to see the full breakdown.
The short answer
Your net proceeds are the sale price minus everything that comes off the top at closing: the remaining mortgage payoff, the real estate commission, county and city transfer taxes, escrow and title fees, and any repair or staging credits. On a typical California sale, total selling costs run about 6%–8% of the price before your loan payoff.
Frequently asked questions
Start with the sale price, then subtract your mortgage payoff, the agent commission, transfer taxes, escrow and title fees, and any concessions to the buyer. What remains is your net proceeds — the cash you actually walk away with.
The real estate commission is usually the largest line item, followed by your loan payoff. Transfer taxes can be significant in cities with their own levy (such as Los Angeles, San Francisco, or Oakland), and escrow, title, and any buyer credits round out the total.
Possibly. Proceeds are not the same as taxable gain. If the home was your primary residence, the federal capital-gains exclusion ($250,000 single / $500,000 married) may shelter most or all of the profit. California taxes any remaining gain as ordinary income. Use the capital gains calculator to estimate that separately.
Your equity at closing equals net proceeds: sale price minus loan payoff and all selling costs. If you owe little on the mortgage, most of the price flows to you; if you bought recently with a small down payment, selling costs can absorb a large share of your equity.
This calculator provides estimates for informational purposes only. It does not constitute financial, legal, or tax advice. Consult a licensed mortgage professional, attorney, or CPA before making any real estate decisions. Rate data sourced from the Federal Reserve Economic Data (FRED — Freddie Mac Primary Mortgage Market Survey).