TEXAS HOME BUYING AND SELLING GUIDES
Texas seller net-proceeds calculator
A sale price is only the starting point.
Use your own figures to estimate the money remaining after the obligations you include, then compare the result with an itemized seller net sheet.
Estimate what you would keep
Enter all four amounts in US dollars. Use 0 for a cost that does not apply. No contact details are required; this calculator does not submit or save your entries.
Estimated net proceeds = sale price − mortgage payoff − repairs − selling costs and other obligations.
Which numbers should you enter?
Use a realistic expected sale price and a mortgage payoff quote that covers the planned closing date.
The payoff can differ from the principal balance on a monthly statement because interest and other amounts may still be due.
Enter repair spending separately.
Put negotiated commissions, closing charges, concessions, property-tax prorations, other liens and any carrying costs in the final field.
Fees vary; the calculator assumes no standard commission or closing-cost percentage.
Avoid counting the same cost twice
If you reduce the expected sale price to reflect the condition, do not also enter an imagined repair bill that you will not pay.
If you actually pay for repairs before the sale, include that spending.
Put a closing credit in selling costs once.
The result subtracts all entered spending, including costs paid before closing.
It is therefore an overall estimate of what the sale leaves you, not necessarily the check or wire you receive at closing.
| Item | Calculator field | Check |
|---|---|---|
| Mortgage and second-mortgage payoff | Mortgage payoff | Use dated quotes; do not enter again as a lien |
| Repairs you pay for | Repairs | Exclude work paid for by the buyer |
| Buyer repair credit | Selling costs and other obligations | Do not also enter it as repair spending |
| Other liens and tax prorations | Selling costs and other obligations | Ask the title professional for itemized amounts |
What does a negative result mean?
A negative result means the costs you entered exceed the sale price.
It identifies a gap to discuss with your closing professional and servicer; it does not cancel debt or approve a short sale.
A lender must agree to accept less than the mortgage obligation.
What is outside this estimate?
Income taxes, future seller-financing payments, changes in value, and the cost of buying your next home are not calculated.
Escrow refunds and closing credits are not added automatically.
Ask your closing professional to reconcile these separately.
This calculator assumes the full purchase price is available at closing and the mortgages are paid off.
For a payment-over-time or subject-to proposal, request a separate schedule of cash received now, future payments and remaining obligations.
Bring these details to a sale discussion
- Expected price and proposed closing date.
- Dated mortgage payoffs and any other liens.
- Itemized selling costs, credits and repair estimates.
- A written closing estimate from the title or closing professional.
Compare selling with little equity Compare repairs with an as-is sale
Tell us about your property
Tell us about the property and when you would like to sell.
We can discuss whether a purchase would work for you.
Contacting us does not commit you to a sale.
About these guides
Epic Ventures is a property buyer and seller.
These guides explain options we discuss with buyers and sellers; they do not replace advice from your own attorney, tax adviser, or mortgage professional.
Source links are included so you can read the underlying guidance.
For a correction or question, contact team@epicventures10.com.
Sources and further reading
Related guides
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