Enter the costs once
Use the payoff amount appropriate for your expected closing date, the percentage fee from your actual negotiated arrangement, other closing costs and seller concessions. If a fee is already included in the percentage line, do not enter it again in other costs. No fee entered here is represented as required, standard or negotiated for you.
A hypothetical comparison
Assume a $500,000 sale, $300,000 payoff, $20,000 total entered fees/costs and $10,000 concessions. The arithmetic leaves $170,000 before items not included in those inputs. A second offer at $495,000 with the same payoff and costs but no concessions leaves $175,000. That $5,000 difference illustrates why headline price and proceeds should be compared separately; it is not a prediction or a Gary transaction.
What the result leaves out
The calculator does not evaluate offer conditions, buyer financing, appraisal risk, repair scope, closing certainty or income taxes. It also cannot discover liens or obligations absent from your inputs. Keep a written list of omitted items alongside the result so the apparent precision does not conceal incomplete information.
Before relying on a number
Replace assumptions with transaction-specific figures and have the relevant professional review the itemization. Ask which deductions vary with price, which depend on the closing date and which remain uncertain. Compare proposals with the same categories and timing assumptions before deciding what to negotiate.
Hypothetical planning tool
Seller net calculator
Planning arithmetic using your inputs. Not a guaranteed result or an after-tax calculation.
Sources & further reading
- CFPB: Closing Disclosure explainer checked 2026-09-26
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