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Net Proceeds 101: What Move-Up Sellers Walk Away With in SLO County

August 14, 2025

Many sellers see the potential sale price of their home and assume that’s what they’ll pocket—but that’s rarely the case. Net proceeds are what you’ll actually walk away with. Here’s how to estimate yours.

Factors That Reduce Your Net Proceeds

Mortgage payoff – What you still owe.
Agent commission – Typically 5–6%.
Closing costs – Usually 1–2%.
Repairs or buyer credits.

Example Calculation

Sale price: $850,000
Loan payoff: $420,000
Commission: $48,000
Closing costs: $15,000
Repairs: $5,000
Net Proceeds: ~$362,000

Why This Matters

Knowing your net gives you confidence and a realistic budget for your next purchase.

Final Thoughts

Numbers matter. Don’t rely on guesswork when planning your next move.

Clarity, not pressure. That’s the way forward in today’s market.
If you're unsure what your next move could look like financially, it might be time to run the numbers.