When you are thinking about selling your home, the first question is usually what can I sell it for. The more important question is what will I actually walk away with.

That is where a net sheet comes in.

What Is a Seller Net Sheet

A seller net sheet is a financial estimate that shows how much money a homeowner may receive after all costs of the sale are paid. Instead of focusing only on the sale price, a net sheet helps sellers understand their true bottom line, what they will net.

While it is not a final settlement statement, a properly prepared net sheet provides valuable clarity early in the selling process.

What a Net Sheet Typically Includes

A net sheet generally accounts for:

• Estimated sale price
• Outstanding mortgage balance
• Real estate commissions
• Transfer taxes
• Escrow and title fees
• Recording fees
• Prorated property taxes and HOA dues, if applicable
• Any negotiated seller credits or concessions

These figures are estimates, but when prepared using local data and customary fees, they can be very close to the final numbers. Also, time of year matters, particularly for property taxes.

Why Sale Price Alone Does Not Tell the Full Story

Two homes can sell for the same price and result in very different proceeds for the sellers. Transfer taxes vary by city, commissions may differ, and concessions negotiated during escrow can all significantly impact the final amount received.

A net sheet helps sellers avoid surprises and make informed decisions about pricing, negotiations, and timing.

When Sellers Should Review a Net Sheet

Ideally, a net sheet should be reviewed before the home is listed for sale. This allows sellers to:

• Set realistic expectations about their proceeds
• Compare how different list prices affect their bottom line
• Evaluate whether repairs or credits make financial sense
• Review offers with confidence once negotiations begin

Net sheets can also be updated throughout the transaction as terms change, keeping sellers informed at every step.

Net Sheets Are Estimates, Not Guarantees

A net sheet is an estimate, not a final closing statement. Actual costs can vary depending on escrow fees, lender requirements, negotiated terms, and local regulations.

Working with a real estate professional who understands local transfer taxes and works closely with trusted escrow and title partners can greatly improve accuracy.

We Can Prepare Net Sheets Quickly and Accurately

At EJ Properties, we can provide seller net sheets quickly with fantastic support from our trusted title representative. This allows us to factor in accurate transfer taxes and local fees so you can make confident decisions from the start.

If you are considering selling and would like a personalized net sheet prepared for your property, contact us here to get started.