Our Process

Net Proceeds Calculator: Listing vs. Cash

Put your own numbers side by side. Every field starts blank, and nothing you type leaves your browser.

If you list with an agentExpected sale price if you list ($)What similar nearby houses in similar condition sold for. Your agent can give you this.Listing agent commission (%)Brokerage compensation is not set by law and is fully negotiable (TREC form 20-19, paragraph 12B). Use the rate in your listing agreement.Buyer's agent compensation you agree to pay (%)Optional. If you agree to pay it, the contract says so in paragraph 12B(1). Leave blank if you won't.Help with the buyer's costs ($)Any amount you agree to put toward the buyer's expenses (paragraph 12A(1)(b)).Repairs and prep before listing ($)Use written bids, plus any repairs you agree to after the buyer's inspection.Your closing costs as seller ($)Your half of the escrow fee, lien releases, deed preparation and tax certificates (paragraph 12A(1)(a)), plus the owner's title policy if the contract has the seller pay it (paragraph 6A). Ask the title company for a quote; title insurance in Texas is regulated by the Texas Department of Insurance.Months until a listed sale closesTime to prepare, market, go under contract and close. Ask your agent what is typical for your area.

If you take a cash offerCash offer you received ($)The amount in a written offer. This calculator never estimates one.Months until the cash sale closesWe can close in 7–14 days. Use the closing date in the offer you are comparing (2 weeks is 0.5).

Either wayLoan payoff and other liens ($)Paid from the price at closing either way. Your servicer can give you a payoff quote.Past-due property taxes ($)Also paid from the price at closing either way.Monthly cost to keep the house ($)Loan payment, taxes, insurance, utilities and upkeep. The holding-cost calculator can total these.

Enter the expected list price and the cash offer to compare.

Estimated net to you
	Listing	Cash sale
Sale price
Agent commissions		$0
Help with buyer's costs		$0
Repairs before sale		$0
Your closing costs		$0: we pay all closing costs
Holding costs until closing
Loan payoff, liens, past-due taxes
Estimated net

An estimate, not an offer and not tax advice. For a house in good condition with time to sell, a listed sale often nets more; a cash sale trades some of the price for speed, no repairs and no showings. Both columns leave out your share of this year's property taxes, which is prorated at closing either way (paragraph 13), and any tax on a gain (see IRS Publication 523). What our closing costs cover is on the FAQ.

Paragraph numbers refer to the Texas resale contract, TREC form 20-19. Nothing you type here leaves your browser.

Add up your monthly holding costs

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