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AMIR PROPERTY

Seller net proceeds calculator

What would you walk away with?

Estimate your net proceeds from a sale in Maryland or Northern Virginia, after commissions, transfer and recordation taxes, payoffs, settlement costs and the property tax proration, and see the price you would need to reach your number.

Estimated net proceeds $402,531.

Start here

From your lender's payoff statement.

Its payoff amount. Leave at 0 if there is none.

$18,750 at this price.

$18,750, if you agree to pay it. Use 0 if not.

Sets the property tax proration.

Credits and costs

Closing cost help or repair credits you agree to.

Maryland caps the resale package at the association's actual cost, up to $330.17 as of October 1, 2026, plus an inspection where required (up to $100 for a condo, $50 for an HOA) and up to $100 for rush delivery.

Settlement fees

Recording a release costs $50 under state law ($10 plus a $40 surcharge). Settlement, deed preparation and payoff fees are not regulated and vary by company; the defaults are typical figures.

Property tax

Estimated from the Montgomery County rate: 1.1521% of the sale price plus $566.06 in fixed charges for a house. Your bill may differ: it is based on the assessed value, not the price, and owner credits lower it.

By September 30, instead of in two halves. The credit from the buyer is then larger for a closing after that date.

Maryland taxes on the sale

Transfer and recordation taxes

Maryland law defaults to an even split unless the contract says otherwise, or the buyer is a first-time Maryland homebuyer.

The seller then pays the transfer and recordation taxes by default, and the state transfer tax is halved.

Some counties exempt part of the price for a buyer's principal residence.

Shows the Maryland withholding estimate. It is a prepayment of tax, not a cost.

Estimated net proceeds

$402,531

From a $750,000 sale in Montgomery County, closing December 15, 2026.

From sale price to net

Sale price
$750,000.00
Listing commission (2.5%)
−$18,750.00
Buyer agent commission (2.5%)
−$18,750.00
Recordation taxHalf of $7,970
−$3,985.00
County transfer taxHalf of $7,500
−$3,750.00
State transfer taxHalf of $3,750
−$1,875.00
Mortgage and lien payoffs
−$300,000.00
Settlement or attorney fee
−$450.00
Deed preparation
−$150.00
Release of lien
−$100.00
Recording the release
−$50.00
Property tax credit from the buyerFor the tax year July 1, 2026 to June 30, 2027, you have paid 50% of the bill and 167 of its 365 days are yours, so the buyer pays you back the difference.
$390.97
Estimated net proceeds
$402,530.97
  • Includes the principal residence exemption on the first $100,000 ($890 credit). Exemption method: confirm with your settlement company.

Montgomery County bills in July for the tax year July 1 to June 30, so taxes are paid ahead. A principal residence pays in two halves, due September 30 and December 31, with no service charge; other homes pay the full year by September 30. This estimate uses the two-payment schedule, with each half paid by its due date, unless you check that you paid the full year at once. It charges the buyer for the day of settlement.

Net at different prices

ChangeSale priceNet proceeds
−10%$675,000$332,572
−5%$712,500$367,551
−2.5%$731,250$385,039
Your price$750,000$402,531
+2.5%$768,750$420,007
+5%$787,500$437,489
+10%$825,000$472,447

Sale price needed to reach your number

$747,300

$2,700 below the $750,000 you entered, with everything else the same. Rounded up to the nearest $100.

Taxes to know about

When a seller who does not live in Maryland sells Maryland property that was not their principal residence, the court clerk collects income tax at settlement: 8.75% for an individual, 8.25% for a business entity, on the net paid to the seller. It is a prepayment credited on the Maryland return, not a cost, and a seller can apply ahead of closing (Form MW506AE) to have it reduced to the tax on the actual gain.

If the seller is a foreign person for U.S. tax purposes, federal law (FIRPTA) generally has the buyer withhold 15% of the sale price at settlement, with lower or no withholding in some cases where the buyer will live in the home. Ask your settlement company early.

This estimate does not include income tax on any gain from the sale. Whether you owe depends on how long you owned and lived in the home and what you paid for it. Talk to a tax professional.

Your real number

Want an accurate sale price?

This estimate is only as good as the price you enter. Request a free valuation and Amir will look at your home and recent sales nearby.

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Estimated net$402,531Results

How the estimate works

Where the money goes.

Commissions

The listing commission and any buyer agent commission you agree to pay, each a percentage of the sale price. Both are negotiable.

Transfer and recordation taxes

The seller's share of the state and county taxes on the sale, from the same rates as the closing cost calculators. In Virginia that is the grantor's tax and the two regional fees; in Maryland it depends on how the contract splits the taxes.

Payoffs

What you owe on your mortgage and any second loan or home equity line on the day of settlement. Ask your lender for a payoff statement for the exact figure.

Property tax proration

Taxes are split by the day at settlement. If you have already paid past the closing date, the buyer pays you back; if a bill is still unpaid, you owe your share. The result shows which, and for how many days.

Settlement costs

The settlement or attorney fee, deed preparation, and releasing and recording the release of each loan. The defaults are typical figures; your settlement company sets the real ones.

Taxes on the sale

The estimate does not include income tax on any gain. A seller who lives outside Maryland may have tax withheld at a Maryland settlement, which is a prepayment, not a cost. Talk to a tax professional about your situation.

Next step

Numbers are only the start of the conversation.

Amir can walk you through what these estimates mean for your purchase or sale, and which costs are worth raising before you sign.

Private consultation