Seller Net Sheet
How Much Do I Get to Keep When I Sell My House?
The sale price is not the amount you take home.
A seller net sheet estimates what may be left after your mortgage payoff, listing-side fee, any seller-authorized buyer-broker compensation, concessions, repairs, taxes, title charges, prorations and other closing costs.
It gives you a much better number for making decisions: what will I probably keep?
Quick Answer
A net sheet is an estimate, not the closing statement
What it does
A seller net sheet starts with the expected sale price and subtracts the major costs that affect what you keep.
Why it matters
The highest sale price does not always produce the highest net. Seller-paid costs, concessions, repairs and compensation decisions can change the result.
You do not need every number to be exact on the first net sheet. Separate the costs so you can see which decisions are changing your money.
What to Check
What should be on a seller net sheet?
Some numbers can be confirmed early. Some remain estimates until closing. Others depend on the offer you accept.
Sale price
This may be your expected sale price or the price in a buyer's offer. It is the top line, not your take-home number.
Mortgage payoff
Your payoff may be different from the balance shown in your online account. The title or closing company obtains the final payoff.
Listing-side fee
This is the compensation you agree to pay Uber Realty for listing-side representation and the selected marketing service.
Buyer-broker compensation
Any seller-authorized buyer-broker compensation is separate from Uber Realty's listing-side fee and is negotiable.
Concessions and repairs
Buyer closing-cost requests, inspection credits, agreed repairs and other negotiated seller expenses can change your proceeds.
Taxes and closing costs
Documentary stamp tax, title charges, settlement charges, association items and property-tax prorations may affect the final number.
Offer Comparison
A $600,000 offer can leave you less money than a $592,000 offer
That sounds backwards until you put the seller-paid items on separate lines.
| Example item | Offer A | Offer B |
|---|---|---|
| Purchase price | $600,000 | $592,000 |
| Estimated mortgage payoff | −$350,000 | −$350,000 |
| Uber Realty 1% listing-side fee example | −$6,000 | −$5,920 |
| Hypothetical seller-paid buyer-broker compensation | −$15,000 | −$11,840 |
| Buyer closing-cost request | −$10,000 | $0 |
| Inspection repair credit | −$2,500 | $0 |
| Estimated Florida deed documentary stamp tax | −$4,200 | −$4,144 |
| Other estimated title, settlement and prorated items | −$4,500 | −$4,500 |
|
Estimated seller proceeds Illustration only. Actual closing numbers will vary. |
$207,800 | $215,596 |
Offer B is $8,000 lower, but the seller keeps an estimated $7,796 more.
Why? The second buyer asks the seller to pay fewer expenses.
That does not automatically make Offer B the better contract. Financing, inspection rights, appraisal terms, earnest money, contingencies and the likelihood of closing still matter.
But it shows why you should compare net proceeds and terms, not just the purchase price.
Known vs. Estimated
Which numbers can you actually know?
Known or confirmable
- Contract price after agreement
- Written listing-side fee
- Seller-authorized buyer-broker compensation, if any
- Mortgage payoff after a current payoff statement
- Florida documentary stamp tax calculation
May remain estimated until closing
- Property-tax prorations
- HOA or condominium charges
- Final title and settlement charges
- Repair costs or negotiated credits
- Seller concessions
- Changes made to the contract before closing
Florida documentary stamp tax on deeds is generally calculated at 70 cents per $100, or portion of $100, of consideration in counties other than Miami-Dade. The closing agent should confirm the final tax and other closing charges for the transaction.
Your Listing-Side Fee
The listing option belongs on its own line
This is where Uber Realty's seller-choice model becomes useful. You can see what each listing-side choice costs in actual dollars instead of mixing it with every other expense in the transaction.
1% Traditional Marketing
Professional representation and traditional real estate marketing
The 1% option includes pricing guidance, MLS marketing, showing coordination, communication, offer review, negotiation and contract support through closing.
A Simple Fee choice is also available with the 1% option.
2% Enhanced Marketing
Everything in 1% plus 30 days of paid advertising
The 2% option adds a property-specific 30-day paid advertising campaign using YouTube, Google paid search, Facebook and Instagram, LinkedIn and area-wide digital display advertising across participating digital inventory.
What does the additional 1% cost in dollars?
On a $500,000 sale, the difference between a 1% and 2% listing-side fee is $5,000.
On a $700,000 sale, the difference is $7,000.
On a $900,000 sale, the difference is $9,000.
That does not tell you which option to choose. It tells you what the decision costs. The 2% option buys the additional 30-day paid advertising campaign. You decide whether you want that additional marketing for your property.
Separate the Buckets
Do not lump everything into one commission number
Different expenses come from different decisions. Keeping them separate makes it easier to see where your money is going.
Listing-Side Fee
What you agree to pay Uber Realty for the listing option you choose.
Buyer-Broker Compensation
Any seller-authorized payment toward the broker representing the buyer. This is separate from Uber Realty's listing-side fee and is negotiable.
Seller Concessions
Money negotiated toward allowable buyer costs or another agreed transaction item.
Repairs and Credits
Money spent or credited because of condition, inspection negotiations, WDO issues, insurance concerns or agreed repairs.
Taxes and Prorations
Documentary stamp tax, property-tax prorations and other government or timing-related charges.
Title and Settlement
Title insurance, closing fees, searches, settlement charges and other closing-company expenses that apply to the transaction.
How Jim Uses It
A net sheet should help you make a decision
Jim uses the net sheet as a decision tool, not just a piece of closing paperwork.
- What would I probably keep at this sale price?
- What does my listing-side fee cost in dollars?
- What does buyer-broker compensation do to the net?
- What happens if the buyer asks for closing-cost help?
- Would a repair or credit solve a problem worth solving?
- Does a lower offer actually leave me with more money?
- Which offer has the better combination of money, terms and closing risk?
The useful question is not only, "What is the price?"
Ask: "What will I probably keep, what risk am I taking, and which terms are creating or protecting that result?"
Seller Net Sheet Questions
Questions homeowners usually ask
Is a seller net sheet legally binding?
No. A seller net sheet is an estimate. The contract, brokerage agreements, lender payoffs, closing-company figures and final settlement statement control the actual transaction numbers.
Should I use a home sale proceeds calculator?
A calculator is useful for a quick estimate. A property-specific net sheet becomes more useful when you are comparing listing options, reviewing an offer or deciding whether a concession, repair credit or price change makes sense.
How do seller concessions affect my net?
A seller concession is a seller-paid transaction item. If a buyer asks for $10,000 toward allowable closing costs, put the $10,000 on its own line and compare it with the purchase price and the rest of the offer.
Does the net sheet include buyer-broker compensation?
It should when the seller has authorized the payment or when a buyer's offer asks the seller to pay it. Keep it separate from Uber Realty's listing-side fee.
Does the seller have to offer buyer-broker compensation?
No fixed amount is required by law. Broker compensation is negotiable. Any seller-authorized buyer-broker compensation should be considered separately from Uber Realty's listing-side fee.
What costs can change from one offer to another?
Seller-authorized buyer-broker compensation, concessions, inspection credits, repairs, financing terms, appraisal provisions and other negotiated terms can change the seller's estimated result.
Can my final proceeds be different from the first net sheet?
Yes. Payoff interest, tax prorations, inspection negotiations, repairs, title items, association charges, contract changes and closing timing can all change the final number.
Related Seller Resources
Use the page that answers your next question
Seller Concessions
Learn how buyer closing-cost requests affect your proceeds and what to compare before agreeing.
Listing Options
Compare 1% Traditional Marketing with 2% Enhanced Marketing and see what changes when you choose the additional paid advertising.
Seller Savings Calculator
Use your expected sale price to compare listing-side costs in dollars.
Got an Offer?
Compare price, seller costs, financing, contingencies, appraisal and risk before deciding.
Home Value Analysis
Before estimating proceeds, determine what price the market evidence supports.
Home Seller FAQ
Pricing, preparation, offers, inspection, appraisal, insurance and closing questions.
Current Rules and Sources
Know what you are agreeing to pay
Real estate broker compensation is negotiable and is not set by law. Uber Realty's listing-side compensation is separate from any seller-authorized buyer-broker compensation, concessions, repairs and other transaction costs.
For Florida deed documentary stamp tax, the Florida Department of Revenue states that counties other than Miami-Dade use 70 cents per $100, or portion of $100, of consideration. Final transaction charges should be confirmed by the closing agent.
Before You Accept an Offer
Put the numbers on one page
Jim can help you compare the sale price, listing-side fee, buyer-broker compensation, concessions, repairs, financing, appraisal risk, closing timing and estimated seller proceeds.
Then you can see what the offer actually means to you.
Jim Whatley, Broker/Owner. Uber Realty LLC. Florida Broker License BK3174026. Florida Brokerage License CQ1038333. Equal Housing Opportunity.
This page provides general seller education and example calculations. It is not legal, tax, lending or closing advice. Real estate broker compensation is negotiable and is not set by law. Uber Realty's listing-side compensation, any seller-authorized buyer-broker compensation, concessions, repairs, taxes, title charges, settlement expenses and other transaction costs are separate unless a written agreement provides otherwise. Exact fees, services, payment terms, contract terms and final closing figures are controlled by the current written agreements and closing documents.