Free seller net sheet · California

What you'd actually walk away with.

Sale price is the number everyone quotes. Net proceeds is the number that matters. Enter your details below, adjust anything that's wrong, and download the projection as a PDF. Free, no phone call required.

1. Your home

Enter what you think it would sell for. Not sure? Use a rough figure — you can change it and the whole sheet updates.

Expected sale price Edit this to model different prices

2. What you still owe

Use your most recent statement. A payoff quote includes interest through the closing date, so the real figure runs slightly higher.

First mortgage payoff

Second mortgage or HELOC Leave at zero if none

Liens, judgments, or solar payoff

3. Commission

Commission is negotiable and always has been. Since the 2024 industry settlement, what a seller offers the buyer's broker is a separate decision from what you pay your own agent — sometimes it's zero.

Your listing agent

Offered to buyer's broker Negotiable, and may be zero

4. Closing costs

Defaults reflect common Riverside and San Bernardino County practice, where sellers customarily pay the owner's title policy. Customs differ by county and everything here is negotiable. Verify with your escrow officer.

Escrow fee Roughly $200 + $2 per $1,000

Owner's title policy About $2.20 per $1,000

County transfer tax $1.10 per $1,000. Some cities add their own

Natural hazard disclosure report

Home warranty Often requested by the buyer

HOA documents and transfer fee

Recording, notary, wire, and courier

5. Repairs, credits, and prorations

Most of this gets negotiated after the inspection, so treat these as placeholders until you have a contract.

Termite work and repairs

Credit to buyer for closing costs

Property tax proration owed

Estimated net proceeds

A projection, not a guarantee or an appraisal.

Sale price$0

Total commission$0

Closing costs$0

Repairs and credits$0

Proceeds before payoff$0

Loans and liens$0

Estimated net$0

This projection comes out negative. That means at this price you'd need to bring money to closing — but it does not mean you're out of options. Short sale, reinstatement, and a few other paths exist, and none of them cost you anything to explore.

See options for homeowners with little or no equity →

Download this as a PDF

We'll email you a copy and, if you want one, introduce you to a listing agent licensed at least 15 years. No cost either way.

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About this estimate. This net sheet is a projection based on figures you entered and default cost assumptions common to Riverside and San Bernardino Counties. It is not an appraisal, a broker price opinion, a certified estimate of value, a loan estimate, or a closing disclosure, and it is not legal, tax, or financial advice. Any automated valuation shown is generated by a third-party data provider from public records and modeling; it has not been verified by a licensed appraiser and can differ substantially from a home's market value or appraised value. Actual closing costs vary by county custom, city, title company, escrow company, HOA, loan type, and the terms you negotiate, and your actual mortgage payoff will include interest, fees, and any prepayment amounts through the date of closing. Consult your escrow officer, a tax professional, and your lender before relying on any figure here. Bey & Group Real Estate, Inc. does not represent sellers in the sale of real property; we are a referral brokerage and receive a referral fee from the agent's brokerage if a referred transaction closes. Equal Housing Opportunity.