Free tool · nothing you type is stored or sent anywhere

What would you actually walk away with?

The headline price isn't the number that matters — it's what lands in your pocket after payoff and costs. Try your own numbers.

Sale price

What you still owe (mortgage, HELOC…)

Closing costs (%)

Full-service agent fee (%, always negotiable)

Selling owner-direct

$112,500

price − 2.5% closing costs − payoff

With a full-service agent fee

$96,000

same, minus a 5.5% fee ($16,500) — a fee you can always negotiate, and sometimes worth every penny

Your equity here is $120,000. Notice the leverage: every extra dollar of price is a full dollar of walk-away — a small price improvement is a much bigger equity improvement.

Want this tracked automatically?

Claim your property and your dashboard keeps a private, live version of this — estimate, equity, and walk-away.

Find my property

Illustration only — made-up defaults, simplified math, not financial advice, and not a prediction of any real sale. Actual proceeds depend on payoff details, prorations, and negotiated terms.