How Much Would You Make Selling Your House
Published by Cash Flow Deals · Last updated 2026-08-05 · Published and reviewed for compliance by Camilo Palacio, a Florida Licensed Realtor
Take your estimated sale price. Subtract your mortgage payoff, not just your loan balance, since payoff includes accrued interest. Subtract agent commission and closing costs, commonly 10% to 15% of the sale price combined. Subtract any repairs or buyer concessions you agree to. What's left is your net proceeds, the number that actually lands in your account.
| Factor | Traditional Route | Cash Flow Deals |
|---|---|---|
| Commission structure | Agent commission is negotiated separately since the 2024 NAR settlement changed how it's offered | A flat fee disclosed upfront before you sign |
| Repairs before closing | Often negotiated after inspection, sometimes as a price cut or credit | Sold as-is, no repairs required |
| Certainty of the number | Estimated until a buyer's financing and inspection clear | A written offer you can weigh against a clear payoff |
The proceeds formula, in plain math
Net proceeds equal sale price, minus your mortgage payoff, minus selling costs, minus any repairs or concessions you agree to cover. Every seller's number comes down to that same subtraction, just with different amounts in each slot.
What eats into the number: commission and closing costs
Total seller-side costs, including agent commission, commonly run 10% to 15% of the sale price. Following a 2024 nationwide settlement, the National Association of Realtors changed its rules so that buyer-agent compensation offers no longer appear on the MLS, making commission a more directly negotiated line item than it used to be.
What eats into the number: repairs and buyer concessions
A buyer's inspection often turns into a request for repairs, a price reduction, or a closing cost credit. None of these show up in your original asking price, but all of them can shrink what you actually walk away with.
What your mortgage payoff actually is
Your payoff amount is not the balance on your last statement. It includes interest accrued through the payoff date. Under federal law, mortgage servicers are required to provide an accurate written payoff statement within seven business days of a request.
Running the number without commission or repair negotiations
Cash Flow Deals buys homes as-is, so repair costs and buyer-inspection concessions don't factor into the math. The fee is flat and disclosed before you sign, so the subtraction is simpler and the final number is clearer upfront.
Common questions
What percentage of my sale price typically goes to costs?
Total seller-side selling costs, including commission, commonly run 10% to 15% of the sale price, though the exact figure depends on your market and what you negotiate.
Is my mortgage payoff the same as my current loan balance?
No. Payoff includes interest accrued up to the payoff date and can be higher than the balance shown on your most recent statement.
Do I have to fix things before I sell?
In a traditional sale, repairs are often negotiated after a buyer's inspection. Selling as-is to a cash buyer removes that step from the math entirely.
How do online sale calculators estimate my proceeds?
Tools like Opendoor's Home Sale Calculator estimate net proceeds by subtracting an estimated mortgage payoff and typical selling costs from an estimated sale price.
How do I get an exact number instead of an estimate?
A written cash offer based on a walkthrough, combined with a payoff statement from your mortgage servicer, gives you the two real numbers needed to calculate an exact figure.
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What this means for your options
A value estimate is a starting point, not a guaranteed number. Our process tests your home against the real market -- real buyers, real comps -- before you commit to a price.
Wait and see
Keep the property as-is and hope conditions improve. The mortgage, insurance, and upkeep keep costing money while you wait, with no set date for things to turn around.
List with a traditional agent
Standard MLS listing, typically 5-6% in commission, and a financed buyer whose deal depends on appraisal, inspection, and lender approval — any of which can fall through after weeks on market.
Sell to Cash Flow Deals
No repairs, no showings, no financing contingency on your side — our novation structure connects you with a bank-financed buyer at a price locked at signing. Usually within one business day.
See your selling options before you decide anything.