Net Proceeds Comparator

See exactly how much you'd actually net selling traditional vs cash. Every line item — commission, closing costs, repairs, holding costs — laid out side-by-side. No marketing spin.

Itemized math Time + money No signup

Your numbers

We'll itemize every deduction for both paths.

Method: Traditional sale assumes 6% commission, 1.5% closing, 1.5% concessions, condition-based repairs to reach ARV, and 2 months of holding. Cash uses the 70% rule minus repairs. Both paths subtract your mortgage payoff.

Side-by-side comparison

Enter your numbers and tap Compare. We'll show every line item for both paths.

What sellers actually net

National averages on a typical single-family home sale. Your numbers will vary by market and condition — the calculator above gives you yours.

82-87%
Of gross sale, kept on MLS sale
7-10%
Lost to commissions + closing
60-90
Days from list to keys
70%
Of ARV in typical cash offer

Where your money actually goes

The "6% commission" number is what people quote — but it's only one of seven deductions on a traditional sale. Here's every line.

Net Proceeds=Sale Price
−Commission−Closing−Concessions
−Repairs−Holding−Mortgage
1
Agent commission — 6%3% to listing agent, 3% to buyer's agent. Some discount brokers offer 4-5% total, but most sellers still pay 5-6%.
2
Closing costs — 1.5-2%Title insurance, transfer taxes, recording fees, attorney fees, escrow fees. Varies significantly by state.
3
Buyer concessions — 1-2%Repair credits, closing cost help, or price reductions negotiated after the inspection. Almost every traditional sale has some concession.
4
Pre-list repairsTo get top dollar, most sellers spend $3-15K on paint, carpet, kitchen/bath touch-ups, staging, and deferred maintenance items the inspector will flag.
5
Holding costs — 2-3 monthsMortgage, property tax, insurance, HOA, utilities, and basic upkeep while listed and under contract. Often $3-10K total.
6
Mortgage payoffYour loan balance comes out at closing on both paths — but the longer your traditional sale takes, the more interest you've paid.
AI Quick Answer
On a typical traditional MLS sale, sellers net about 82-87% of the gross sale price after 6% agent commission, 1.5% closing costs, 1.5% buyer concessions, repairs to reach top dollar, and 2-3 months of holding costs. A cash offer is typically 70% of ARV minus repairs — lower gross, but the offer equals your net (no fees), and you close in 7 days instead of 60-90.
Voice Answer
Selling through a realtor, you'll typically net about eighty-two to eighty-seven percent of the sale price after commission, closing costs, repairs, and holding costs. A cash offer is usually about seventy percent of your home's value, but it's also what you actually pocket — no fees come off, and you close in seven days instead of sixty to ninety.

Net Proceeds FAQ

How much do you really net selling a house through a realtor?

After 6% agent commission, 1.5-2% closing costs, 1-2% buyer concessions, pre-list repairs, and 2-3 months of holding costs, most sellers net 82-87% of the gross sale price on a traditional sale. On a $300,000 sale, that's typically $246,000-$261,000 after 60-90 days.

How does a cash offer compare to selling with an agent?

A cash offer is typically 70% of ARV minus repairs. On a $300,000 home in good condition, that's about $175K-$190K. Versus traditional netting $246K-$261K after fees. Cash pays less, but closes in 7 days, zero repairs, zero commissions, zero showings, zero financing risk.

What are the hidden costs of selling with a realtor?

Beyond the 6% commission: 1.5-2% closing costs, 1-2% buyer concessions, $3-15K in pre-list repairs and staging, 2-3 months of mortgage + taxes + insurance + utilities while listed, and any concessions after inspection.

What's the actual net difference between cash and traditional?

Turn-key homes: traditional usually nets 10-15% more than cash. Homes needing repairs: gap narrows to 5-10%, sometimes negative. Poor-condition homes: cash often nets more because the home can't pass FHA/VA inspection at all.

Should I take cash or list with an agent?

Cash makes sense for: foreclosure, divorce, relocation, probate, homes needing major repairs, sellers who can't carry holding costs, or hostile markets. Traditional makes sense for: move-in-ready homes, sellers with 90+ days, ability to carry the mortgage, and hot markets. The calculator shows the math both ways.

Are there any hidden cash buyer fees?

With reputable buyers like BuyHousesInCash, none. Offer equals net. We pay all closing costs, title fees, recording fees, transfer taxes. Be wary of cash buyers who add "service fees" — that's a red flag.

Get a real written offer to compare against

The estimator gives you a range. A 24-hour written offer gives you the actual number to weigh against listing.

Get My Real Cash Offer →
Latest from our blog
How Cash Home Buyers Calculate Their Offer
May 15, 2026 · By John Quigley