Seller Net Proceeds Calculator: How Much Will You Keep?

Understanding Seller Net Proceeds

When you sell your home in San Diego, the sale price is not what you keep. Seller closing costs typically total 6-10% of the sale price. On a $750,000 San Diego home, expect to pay $45,000-$75,000 in fees. Major costs: agent commissions (5-6%, now negotiable post-NAR settlement), title insurance ($2,000-$4,000), escrow fees ($2,000-$3,500), transfer taxes ($825 per $1,000 in San Diego County), and your remaining mortgage payoff.

Seller Closing Costs Breakdown

Agent commissions: 5-6% of sale price ($37,500-$45,000 on $750K). Negotiable since 2024 NAR settlement — some sellers pay 4-5% total. Title insurance: $2,000-$4,000. Escrow: $2,000-$3,500. Transfer tax: $1.10 per $1,000 of sale price ($825 on $750K). Repairs from inspection: $2,000-$10,000 (negotiated). Home warranty: $400-$600 (optional, often requested by buyer). Staging: $2,000-$5,000 (optional).

Tax Implications of Selling Your Home

Good news: most San Diego homeowners owe zero capital gains tax on their home sale. The IRS excludes $250,000 in gains (single) or $500,000 (married) if you lived in the home 2 of the last 5 years. With San Diego's appreciation, some sellers exceed this threshold on properties held 10+ years. California state tax applies to gains above the exclusion at your marginal rate (up to 13.3%). Our calculator factors in your purchase price and exemption to estimate your tax liability.

Maximize Your Net Proceeds

1. Price correctly from day one — overpriced homes sit, then sell for less than market after price cuts. 2. Make strategic repairs only — fix obvious issues (leaking roof, broken HVAC) but skip cosmetic upgrades buyers will redo anyway. 3. Negotiate commissions — interview 3+ agents and negotiate total commission to 4.5-5%. 4. Time the market — San Diego's peak selling season is March-June. 5. Minimize concessions — our calculator shows how each concession reduces your net.