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What would you actually walk away with?

Most sellers find out at the closing table. Put your numbers in below and watch it work out as you type.

Your home

Rough numbers are fine. You can change any of them.

What do you think your home would sell for? Your best guess. Nobody is holding you to it.

Roughly what do you still owe on it? Your loan balance, or better, a payoff quote from your lender, since interest keeps adding up until closing. Leave it blank if the home is paid off.

A second loan, a line of credit, or a lien? A HELOC, a second mortgage, a solar loan, a judgment, or a tax lien. Anything else attached to the home that has to be paid off before you get the rest.

Anything a buyer is likely to ask you to fix or credit? A guess is fine. This is the line that moves most once you are in escrow.

Property taxes you still owe at closing In Texas, property tax is paid at the end of the year, so at closing you usually credit the buyer for this year's tax up to the closing date. A rough way to work it out: your yearly tax bill, divided by 12, times the months of this year before you close. If you are behind on taxes, that goes in the loan and lien box above instead. Not both.

Who gets paid out of the sale

You decide both of these numbers. They are not set by law, not set by any board, and not fixed at any rate.

Compensation you agree to pay your own agent Negotiable between you and whoever you hire. Put in the percent you agree to. Until you do, it is left out of your total, and the page says so.

Anything you choose to offer the buyer's agent A separate decision, and entirely yours. Some sellers offer something to keep more buyers in play. Some offer nothing. Leave it blank if you are not offering anything.

Fill in what you know. Title fees and transfer tax apply to almost every sale, so the page tells you when either one is missing. The rest only apply to some homes, and a blank one counts as nothing.

Escrow and other title company fees Your share of the escrow fee, plus title policy endorsements, tax certificates, preparing the deed, and recording the release of your loan. These are not set by the state and vary by title company, so this is an estimate you can change. The owner's title policy is worked out separately from your price, at the Texas state rate.

Plus the owner's title policy, set by the Texas state rate. It shows here once you put in a price.

City and county transfer tax Charged when a home changes hands, as a percent of the price. The rate is set by your city and county, so it is not filled in for you. Your title officer or your agent knows it. If you are quoted a dollar amount per $1,000, divide it by 10: $1.10 per $1,000 is 0.11%.

HOA fees The association's transfer and document fees, anything you still owe them, and any special assessment the HOA itself charges.

A home warranty for the buyer, if you offer one

Getting it ready: cleaning, photography, staging, landscaping

Special assessments or a community facilities district fee Some newer neighborhoods carry an extra charge on top of property tax, for roads, schools or landscaping the community itself financed. Most homes have none of this. It shows up on the property tax bill if it applies. A special assessment from your HOA goes in the HOA box instead, not here.

Required disclosure and inspection reports Reports a seller has to provide before closing, like a natural hazard or pest report. Usually a few hundred dollars.

Anything else you already know about

Two short questions

These change what the number means for you.

When would you want to be moved?

Do you know where you are going next?

Where the money goes

Every line below comes from what you typed.

What your number is telling you

This is an estimate. Want the real number?

My written pricing analysis looks at homes like yours that sold, that are for sale now and that did not sell, then at your home itself. It is free, and you do not have to list.

Get my written pricing analysis Book a free 20-minute call

Buying your next home too? I am also a Loan Officer, so the sale and the loan for your next home can sit on one desk. One Desk home loans

Ai Tran, NMLS #2627075. Loans are offered through Loan Factory, NMLS #320841, in Texas and California only. Equal Housing Lender.

This is an estimate built from numbers you typed in, not a net sheet. Your title or escrow company produces the real one once you have an offer, and their figures are the ones that count. Costs vary by county and by contract. Nothing here is tax advice, and if you may owe capital gains on the sale, that question belongs with your CPA.

Want the full picture?

Leave your name and email and I will show you the same math at three different list prices, right here on this page, so you can see how much the price changes what you keep. You can save or print the whole thing to keep. Then I will follow up personally to go through it with you. No cost, and no obligation to sell anything.

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