SELLER PLANNING

Edit a seller proceeds scenario

Compare a sale price, mortgage payoff, selling costs, and other costs with amounts you supply.

Published · Updated (UTC)

Organize comparable sales, launch choices, dated mortgage payoffs, and a cash-at-closing worksheet before deciding how to sell.

For every line, record the quote or contract source, date, responsible professional, and whether the amount is confirmed or an estimate. Leave unknown costs marked unknown; do not assume a standard commission or tax rate.

01 / YOUR SALE WORKSHEET

What could you take forward?

Try your own sale price and costs. Change any figure to see the difference immediately.

SCENARIO A NET—

Enter all four amounts to see your scenario.

All four amounts are needed. Enter 0 only when a cost does not apply. Unknown costs stay unknown. Commas and dollar signs are welcome.

How this is calculated

Sale price − mortgage payoff − selling costs − other costs.

Source: your entered assumptions. No assessed value or comparable sales are used.

Only supplied amounts are included; omitted taxes, fees or liens are not estimated. This is a planning scenario, not a valuation or guaranteed proceeds.

Worksheet stays on this page.

Only supplied amounts are included; omitted taxes, fees or liens are not estimated.

Questions about this worksheet

Can I leave a cost unknown?

For every line, record the quote or contract source, date, responsible professional, and whether the amount is confirmed or an estimate. Leave unknown costs marked unknown; do not assume a standard commission or tax rate.

What does this scenario include?

Only supplied amounts are included; omitted taxes, fees or liens are not estimated.

Written and published by KeyLeadsRE

Luxury Seller Pricing, Marketing, Timing, and Proceeds Review

Organize comparable sales, launch choices, dated mortgage payoffs, and a cash-at-closing worksheet before deciding how to sell.

Published

Home-sale planning illustration: pricing evidence, payoff documents and a closing timeline.

Build the pricing and launch brief

NAR describes a comparative market analysis as an estimate informed by similar homes sold, under contract, or currently listed. Condition, location, features, and the seller's timing goals also inform pricing. As of 2026-09-05.

  • List each comparison's address, property type, size, condition, sale or listing date, status, price, and source. Keep asking prices separate from completed sales.
  • Ask the reviewing real-estate professional to explain differences, uncertain inputs, and the proposed price range. Record a date to revisit the evidence.
  • Write down your preferred closing window, preparation budget, showing access, and privacy limits. Compare launch channels by reach, cost, access, and feedback schedule.
  • Compare offer price alongside financing, contingencies, credits, and closing date. State your priorities before choosing a marketing or negotiation plan.

Request payoffs for the intended closing date

CFPB explains that a mortgage payoff amount can differ from the current balance: it includes interest through the intended payoff date and may include unpaid fees or a prepayment penalty. As of 2026-09-05.

  • Request a dated payoff statement from each mortgage servicer. Record the good-through date and ask how a changed closing date affects it.
  • Have the closing professional identify other liens, releases, or obligations. Do not substitute the original recorded loan amount or an online balance for a current payoff.
  • Keep account numbers, payoff letters, and financial statements out of a general inquiry form; arrange an appropriate secure document exchange with the responsible professional.

Complete a proceeds worksheet

CFPB's seller Closing Disclosure rules separate amounts due to the seller from payoffs, seller-paid closing costs, credits, and adjustments due from the seller. Their difference determines cash to or from the seller at closing. As of 2026-09-05.

  • Start a dated worksheet: expected sale price ___; mortgage and other payoffs ___; seller-paid closing costs ___; agreed buyer credits ___; net prorations and other adjustments (+/−) ___.
  • Estimated cash at closing = sale price − payoffs − closing costs − buyer credits + net adjustments. Ask the closing professional to reconcile deposits already disbursed, holdbacks, and each adjustment without double counting.
  • For every line, record the quote or contract source, date, responsible professional, and whether the amount is confirmed or an estimate. Leave unknown costs marked unknown; do not assume a standard commission or tax rate.
  • Track preparation or other costs already paid separately from cash due at closing. A negative closing estimate means additional funds may be needed. Review the final settlement statement; this worksheet does not calculate taxable gain.

The conversation link is temporarily unavailable. You can still use this guide.