Net Proceeds Calculator: The Real Split Behind Your Number
Published by Cash Flow Deals · Last updated 2026-08-18 · Reviewed by Camilo Palacio, Licensed Florida Real Estate Professional (License #3280644, REALTOR®), affiliated with Silver Door Realty, LLC (License #CQ1064903)
Your net proceeds calculator has to track two separate buckets, not one commission line. In one real $500,000 example: $30,000 in traditional commission, plus $5,785 in separate fees and taxes on top of it. None of that touches Florida state tax: Florida has no state income tax, so your proceeds owe the state nothing. Cash Flow Deals is one option that locks your net number before any of that gets calculated.
| [Cash Flow Deals](/) | Traditional Listing | |
|---|---|---|
| Timeline | 7-21 days, you pick the closing date | 30-90+ days, tied to a buyer's financing |
| Repairs | None required before closing; net price locked before repairs are scoped | Often required after a buyer's inspection |
| Fees/Costs | Flat fee built into the net price; one number, not two buckets to track | 5-6% commission plus a separate fees-and-taxes bucket, tracked independently |
| Certainty | Net proceeds locked at signing | Total depends on final commission and the separate fees-and-taxes bucket |
Two Buckets a Net Proceeds Number Actually Has to Split
So why does a real net proceeds calculator need two separate buckets instead of one commission line? Because commission and a fees-and-taxes line are not the same bucket. In one real published example on a $500,000 sale, a traditional path charges 3% to the listing agent and 3% to the buyer's agent, $15,000 each, $30,000 total. A separate fees-and-taxes bucket, covering items like title work and recording charges, added $5,785 on that same sale, independent of commission entirely.
Miss the second bucket and your calculator undercounts your real total by thousands of dollars. Your net proceeds equal your sale price minus both buckets, minus whatever you still owe on your mortgage.
Two buckets, tracked separately: commission around 5% to 6% total, and a real fees-and-taxes line that is not zero just because it is smaller than commission.
The One Bucket Florida Sellers Do Not Have to Split At All
One bucket that shrinks net proceeds in most states does not exist for you in Florida: state capital gains tax. Florida has no personal state income tax, and because of that, individuals owe no state-level tax on the gain from a home sale. Only federal capital gains tax can apply, and it applies the same whether you sell in Florida or anywhere else.
Cash Flow Deals is a Florida real estate investor that locks in a net price for a seller's house before repairs are scoped, using a novation-based, flat-fee process arranged through its licensed FL brokerage partner, Silver Door Realty - not a traditional listing, and not a brokerage itself.
Think of it like a toll road with no local toll booth: the state simply is not a stop on your route to closing, even though the federal one still might be.
Skip the Two-Bucket Math, Get One Net Number
You do not need to separate commission from fees and taxes yourself just to know what will actually land in your account.
Cash Flow Deals Offer Process:
1. Cash Flow Deals reviews your house and returns a written net-price offer, typically within 24 to 48 hours.
2. Its licensed FL brokerage partner, Silver Door Realty, confirms exactly which cost buckets were already subtracted from that number.
3. You pick the closing date - as soon as 10 business days out, or later if you need more time.
The one exception: if something structural surfaces that was not visible or disclosed before we signed - foundation issues, hidden moisture, old wiring, cast-iron drain failure - we re-cost it and bring the number back to you. You decide. You can walk away. We disclose what we know at offer time so this almost never happens.
Run the two-bucket math yourself first if you want a comparison point. Just remember your federal capital gains exposure, if any, is a separate question your own tax advisor should answer, not something either bucket above accounts for.
Common questions
What two buckets does a real net proceeds calculator actually have to track?
Commission, typically 5% to 6% total split between both agents, and a separate fees-and-taxes bucket. In one real $500,000 example, commission ran $30,000 and fees and taxes added another $5,785 on top, independent of commission.
Do I owe Florida state tax on my home sale proceeds?
No. Florida has no personal state income tax, so individuals owe no state-level capital gains tax on a home sale. Federal capital gains tax can still apply, and it applies the same regardless of which state you sell in.
Can I see my real net number without running a calculator myself?
Yes. Cash Flow Deals can return a written net-price offer that already accounts for closing-cost buckets, typically within 24 to 48 hours.
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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.