Texas Seller Net Sheet Calculator
Estimate what you'll walk away with after selling your Texas home — commission, mortgage payoff, title policy, prorated taxes, and closing costs, all in one place.
A net sheet is one of the first things a listing agent puts together for a home seller: a working estimate of net proceeds based on an expected sale price and typical closing costs. It helps you decide on a list price, evaluate an offer, and plan your next move before you're staring at a real Closing Disclosure. Every field below starts with an editable estimate — replace the numbers with your actual contract terms and quotes as you get them.
This calculator is a planning tool. It is not a Closing Disclosure, settlement statement, or official accounting of your transaction. Your title company will provide the final, itemized numbers before closing.
Transaction Details
Commission
Title Policy
Property Tax Proration
Other Closing Costs
Estimated Net Proceeds
What Each Line Item Means
Mortgage Payoff
The exact amount needed to satisfy your existing mortgage(s), including any accrued interest through the payoff date. Request an official payoff statement from your servicer — it's usually higher than your current balance shown online.
Real Estate Commission
The fee paid to the listing brokerage and the buyer's brokerage, typically set as a percentage of the sale price in the listing agreement. Split and rate are fully negotiable between you and your agent.
Owner's Title Policy
Insures the buyer against defects in the property's title. In Texas, premiums are set by state-promulgated rates based on sale price, and who pays it is negotiated in the contract.
Property Tax Proration
Texas property taxes are billed in arrears. At closing, sellers typically credit buyers for the portion of the tax year they owned the home, since the bill for that year usually hasn't been paid yet.
HOA Transfer/Resale Certificate Fee
If the property is in an HOA, the association or its management company typically charges a fee to prepare the resale certificate and transfer records to the new owner.
Escrow/Closing Fee
Covers the title or escrow company's work administering the closing — holding funds, preparing documents, and recording the transaction.
Frequently Asked Questions
What is a seller net sheet?
A seller net sheet is an estimate of how much money a home seller will walk away with after paying off their mortgage, real estate commissions, title policy, prorated property taxes, and other closing costs. It is a planning tool, not a final accounting of the sale.
Who prepares a seller net sheet?
A seller's real estate agent typically prepares a net sheet early in the listing process to help the seller understand their likely proceeds, and updates it once an offer is accepted using the actual contract terms. Title companies and escrow officers also prepare a more precise version closer to closing.
Is the owner's title policy negotiable in Texas?
Yes. Who pays for the owner's title policy is a negotiated term of the contract, though it is customary in most Texas markets for the seller to pay it. The TREC contract lets buyer and seller allocate this and other title-related costs between themselves.
How accurate are these net sheet estimates?
This calculator gives a working estimate based on the numbers you enter. Actual figures — especially the exact title premium, prorated taxes, and any last-minute credits or repairs — are finalized by the title company on your Closing Disclosure. Always confirm final numbers with your title company before closing.
Is a net sheet the same as a Closing Disclosure or settlement statement?
No. A net sheet is an informal estimate used for planning. The Closing Disclosure (or settlement statement) is the official, itemized accounting of every charge and credit in the transaction, prepared by the title company or closing agent and legally required before closing.
Run Net Sheets for Clients in Seconds
RaiderX agents keep 100% of their commission for a flat $99/month — no splits eating into every net sheet you run for a client.