Seller Net Sheet Calculator

Virginia-specific. Adjust all fields to match the transaction. Results update live.

01Property & Sale Information

Sale Price

Closing Date (day of month)

Used for tax & interest proration

Property Address (for reference)

02Mortgage Payoff

1st Mortgage Balance

Interest Rate on 1st Mortgage

2nd Mortgage / HELOC Balance

Loan Reconveyance / Release Fee

Lender fee to release lien (~$50–$150)

Include prepayment penalty

03Real Estate Commission

Listing Agent Commission

Buyer's Agent Concession

Post-NAR settlement: buyer's agent fee is now negotiable and paid as a seller concession. Set to 0% if not offering.

04Virginia Taxes & Government Fees

Grantor's Tax (seller pays)

VA standard: $0.50/$500 = 0.10%

State Transfer Tax (seller portion)

Typically buyer-paid in VA. Set 0.125% if split.

Deed Recording Fee

Approx. $50–$100 in Richmond area

Deed of Trust Release Recording

Prorated Property Tax

Annual Property Tax

Tax Year Type

Closing Month

05Settlement, Title & Attorney Fees

Settlement / Closing Fee

Typical Richmond: $750–$975

Deed Preparation Fee

Attorney fee to draft deed (~$100–$250)

Title Search / Exam

Owner's Title Insurance (optional)

Usually buyer-paid in VA; add if seller-paid

06Inspections

Termite / WDI Inspection

Seller-paid in Richmond (~$50–$100)

Other Inspections / Reports

07HOA (if applicable)

Property has an HOA

08Concessions, Repairs & Credits

Closing Cost Concessions to Buyer

Repair Credits / Work

Home Warranty (buyer gift)

Optional; ~$400–$700

Other Seller Credits / Costs

* This net sheet is an estimate for discussion purposes. Actual closing figures will be provided by the settlement agent. Denis Taveras · Mission Realty · VA Lic. 0225245768 · (804) 495-9591

Denis Taveras · REALTOR®

(804) 495-9591 · VA Lic. 0225245768

Sale Proceeds

Sale Price—

Mortgage Payoff

1st Mortgage Balance—

Per Diem Interest (15 days)—

2nd Mortgage / HELOC—

Lien Release Fee—

Commission

Listing Agent (3.00%)—

Buyer's Agent Concession (2.50%)—

Total Commission—

Virginia Taxes & Gov. Fees

Grantor's Tax—

Transfer Tax (seller portion)—

Deed Recording—

Deed of Trust Release Recording—

Prorated Property Tax—

Settlement & Title

Settlement / Closing Fee—

Deed Preparation—

Title Search / Exam—

Owner's Title Insurance—

Inspections

Termite / WDI Inspection—

Other Inspections—

HOA

Prorated HOA Dues—

Resale / Disclosure Packet—

HOA Transfer Fee—

HOA Estoppel / Other—

Concessions & Credits

Closing Cost Concessions—

Repair Credits / Work—

Home Warranty—

Other—

Estimated Net Proceeds

Before capital gains, moving costs, or any lender credits. Verify with settlement agent.

Total Deductions

—

Effective Cost %

—

Commission Total

—

Closing Costs Only

—

This estimate is for informational purposes only and does not guarantee actual net proceeds. Figures may vary. Always verify with the settlement/title company. Denis Taveras · Mission Realty · Licensed in the Commonwealth of Virginia.