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Seller Net Proceeds Calculator

Estimate how much cash could remain after selling your home and paying the mortgage and entered selling costs. Adjust every assumption to match your situation.

Updated September 5, 2026 · Planning tool reviewed for real-estate context by Victoria Brodsky, Realtor®

Start with your expected sale price

This calculator is designed for early planning. It does not estimate your home's market value and does not quote Realtor, legal, mortgage or other professional fees.

What it includesMortgage payoutEntered selling-service percentage + 13% HSTLegal, discharge/penalty, preparation and other costs
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Use your own estimate. For a property-specific review, use the Victoria link below.
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Enter your own negotiated planning assumption. Realtor compensation is negotiable and varies.
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Check your lender's actual payout statement.
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Important: This is a planning estimate, not a statement of adjustments or a quote. Property tax adjustments, condo-related amounts, mortgage payout charges and transaction-specific items may change the actual amount.

Replace the biggest assumption with a property-specific review

The sale price usually has the largest effect on this estimate. Victoria can review recent comparable sales, current competition and your home's features before you rely on a planning number.

Get My Oakville Home ValueCan I Afford to Move?

How the estimate works

The calculator subtracts the entered mortgage payout and seller costs from the expected sale price. HST is calculated at 13% on the entered selling-service fee estimate. It intentionally does not guess your home's market value or mortgage penalty.

Questions homeowners commonly ask

Does this calculate my home's value?

No. The expected sale price is an input. A market-value review needs property-specific information and current comparable sales.

Does it include every closing adjustment?

No. Lawyer statements can include property-tax, condo, utility or other adjustments that depend on the transaction.

Why can the mortgage payout differ from my online balance?

A lender's payout statement can include interest, discharge fees or penalties that are not reflected in a simple current-balance figure.

Victoria Brodsky, Realtor® in Oakville
Local real-estate perspective

Victoria Brodsky, Realtor®

Realty 7 Ltd., Brokerage

When the estimate becomes a real moving decision, Victoria can help you evaluate the home's likely market position and the practical next step.

Get a Home-Value Review

Professional real-estate services are provided through ListingsRealEstate.ca.