What Is a Seller Net Sheet?

A seller net sheet is a financial estimate that shows how much money you'll actually walk away with after selling your home. It accounts for your sale price, your remaining mortgage balance, closing costs, agent commissions, prorated taxes, and any other fees associated with the transaction. The result is your estimated net proceeds — what hits your bank account at closing.

Most sellers are surprised to discover their net is significantly higher than they expected, especially in today's market. A net sheet gives you a realistic number to plan around before you list.

What Costs Are Included in a Florida Seller Net Sheet?

In Florida, sellers typically pay for real estate commissions, title insurance, documentary stamp taxes on the deed, prorated property taxes, any outstanding HOA fees or assessments, and miscellaneous closing costs. The exact amounts vary by sale price, lender requirements, and negotiated terms — which is why running the numbers before you list matters.

For a home selling in the $250,000 to $450,000 range in Crestview and Okaloosa County, closing costs for sellers typically run between 6% and 9% of the sale price depending on negotiated terms and whether the buyer requests concessions.

How to Use This Calculator

Enter your estimated sale price, your current mortgage payoff amount, and the tool will walk you through the rest. The numbers are estimates — your actual net will depend on your specific loan, local tax rates, and final negotiated terms. If you want a precise net sheet tailored to your property, reach out and I'll prepare one for you at no cost.