Here it is. Type your own numbers into the yellow boxes and everything else adds up as you go. The light gray numbers are only examples, so type right over them. Use a price you think is realistic, or run your address through my Howard County home value tool for a starting point.

Your numbers stay on this device and in this browser, so you can close the page and come back. Use Print or save as PDF to keep a copy, or Download as spreadsheet to open it in Excel.

Your net proceeds worksheet

Type your numbers in the yellow boxes. The light gray italic numbers are only examples, so type right over them. Everything else adds up as you go. Ryan Breeden, Long & Foster | 443-896-6081

1. Sale price
Expected sale priceYour best estimate of what it will sell for.
2. What you owe
Mortgage payoffUse your lender's payoff figure, which can differ from your statement balance.
Home equity line or other liensAnything that has to be paid at settlement.
Total payoff
$0
3. Costs of selling
Agent fees, as a percent of the sale priceNegotiable. Enter the rate you're considering.
Agent fees in dollars
$0
Help with the buyer's closing costsOnly if you offer it.
Title, settlement and attorney feesAsk a title company for a quote.
Condo or HOA resale package and feesCondos and HOA communities only. The seller orders the package.
Property tax and fee prorationsWhat you'd owe, as a positive number. A credit to you is a negative number.
Home warranty (optional)
Your share of transfer taxesCalculated from the rates at the bottom.
$0
Your share of recordation taxCalculated from the rate at the bottom.
$0
Total costs of selling
$0
4. Prep you choose
Repairs and paintYour choice. You can skip prep or spend more.
Cleaning, decluttering and staging
Other prep (hauling, storage)
Total prep
$0
5. What you'd keep
Estimated net proceedsSale price minus payoff, costs of selling and prep.
$0
Net as a percent of the sale price
0.0%
Moving costsYour own move, including any storage.
Left after moving
$0
Rates this worksheet uses (change them if you have different numbers)
Maryland state transfer tax rateCheck this against your contract.
Howard County transfer tax rateSource: Howard County Finance. Change it if your home is in another county.
Recordation tax per $500 of the priceCharged per $500 or fractional part. Source: Howard County land records (mdcourts.gov).
Your share of these taxesBuyer and seller commonly split them evenly, but your contract decides.

Your numbers stay on this device and in this browser. They aren't sent to me or anyone else. If you use a private window or a different device, you'll start with a blank sheet.

This is a worksheet estimate based on the numbers you enter. The real figures depend on the price and terms of the contract you accept. Capital gains tax isn't included. Many homeowners can exclude up to $250,000 of gain ($500,000 if married filing jointly) when they've owned and lived in the home for 2 of the last 5 years, so ask your CPA how it applies to you (IRS Topic 701). The price is the number I won't guess at from my desk. The next step is a free visit to see the house, with no listing agreement and no obligation. Call or text me at 443-896-6081.

What about the price? That's step two.

The worksheet gives you the cost side with confidence. The price is the part I won't guess at from my desk. What your house would sell for as is, with light prep or with full prep depends on what I see when I walk through it, compared with recent sales nearby. If you want that part, I'll come see the house, with no listing agreement and no obligation. Call or text me at 443-896-6081, or contact me here.

Before I come out, it helps if you send me a list of the updates you've done and the approximate ages of the roof, HVAC and windows. A ballpark is fine. That lets me look at comparable sales ahead of time so the visit is about your house.

I'm Ryan Breeden, a REALTOR with Long & Foster and a Seniors Real Estate Specialist (SRES), and I've lived in Howard County for more than 25 years.

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