Your sale price is not what you take home. This Texas seller net proceeds calculator builds a line by line estimate of your closing, the same way a settlement statement does: loan payoffs, commission, the state regulated title premium, tax and HOA prorations, and anything you negotiate with the buyer.
Start with these six. Everything else has a typical Texas figure you can change.
Title and closing fees
Second loan and HOA
Items you negotiate with the buyer
At these numbers you would bring funds to closing instead of receiving proceeds. Talk with an agent and your lender before you list. There are more options early than late.
How the owner’s title policy premium is calculated
Texas title premiums are set by the Texas Department of Insurance, so every title company charges the same premium for the same policy amount. This uses the basic premium rates effective March 1, 2026. Endorsements and credits for a recent prior policy can change the final figure.
Estimate for planning only, not a settlement statement or a Closing Disclosure. Owner’s policy premium uses the Texas Department of Insurance basic premium rates effective March 1, 2026. Escrow, recording, and HOA fees are typical figures you can edit. Actual figures come from your title company, lender, and association at closing. Texas Ally Real Estate Group, LLC.
Talk to an agentWhat reduces your net proceeds
Every seller’s mix is different, but the deductions come from the same short list. Here is what typically comes out of the sale price and how much each one usually matters.
| Cost | Typical impact |
|---|---|
| Mortgage payoff | Largest deduction |
| Real estate commission | Usually the second largest |
| Owner’s title policy | Set by state rate schedule, rises with sale price |
| Property taxes | Depends on closing date and whether the bill is paid |
| Escrow and title company fees | A few hundred dollars, varies by company |
| Buyer concessions and repairs | Negotiated |
| HOA fees | Usually minor |
The payoff deserves special care: request an official payoff statement from your lender, because it includes interest through the payoff date and any fees, and it is almost always higher than the balance shown on your monthly statement. The tax line can swing either direction depending on when you close and whether the year’s taxes have been paid, which is exactly what the closing date field and the tax bill setting in the Texas seller net proceeds calculator handle.
Everything starts from the sale price. If you are not sure what your home could sell for in today’s market, start with our What’s My Home Worth tool, then bring that number back here.
Seller net sheet vs. Closing Disclosure: what’s the difference?
A net sheet and your final closing paperwork answer the same question at different moments with different levels of certainty. The net sheet is the planning tool. The settlement statement you sign at closing is the accounting.
| Seller net sheet | Closing Disclosure or settlement statement | |
|---|---|---|
| What it is | An estimate of your proceeds | The final, exact accounting of the transaction |
| Who prepares it | Your agent, a title company, or a Texas seller net proceeds calculator like this one | The title or escrow company handling your closing |
| When you see it | Any time: before listing, with an offer in hand, or while negotiating | Shortly before closing, with final figures at the table |
| How exact it is | A close estimate based on assumptions | Exact to the penny, including per diem interest and recording fees |
| What to use it for | Deciding whether and when to sell, and comparing offers | Verifying every line before you sign and fund |
The practical habit: run the Texas seller net proceeds calculator before you list, update it when offers arrive, then compare your final settlement statement against your latest estimate line by line. Differences are normal in the small items. A surprise in the big four (payoff, commission, title, taxes) is worth a phone call before closing day.
Frequently asked questions
How accurate is a seller net sheet?
A Texas seller net proceeds calculator produces a planning estimate, usually accurate within a few percent when the inputs are good. The two numbers worth firming up early are the mortgage payoff (request an official payoff statement from your lender rather than using the balance on your statement) and the tax proration, which this calculator estimates from your closing date.
Who pays for the owner’s title policy in Texas?
By custom, the seller usually pays for the owner’s title policy in Texas, though it is negotiable in the contract. Premiums are set by the Texas Department of Insurance, so the price does not vary between title companies for the same coverage. This calculator applies the state rate schedule to your sale price and shows the math.
Are title company fees regulated too?
Only the insurance premium is. Escrow fees, document preparation, courier, and recording charges are set by each title company, which is why those lines are editable here. Ask for a fee sheet when you open title.
Are property taxes deducted from my proceeds?
Usually yes, as a credit to the buyer rather than a payment to the county. Texas taxes are paid in arrears, so at closing you reimburse the buyer for the portion of the year you owned the home. If you already paid the full year, the credit runs the other way.
What if I owe more than my home is worth?
The calculator will show funds due from you, which means you would need to bring money to closing or pursue alternatives such as negotiating with your lender. Talk to your agent and lender early. Options narrow as the closing date approaches.
When do I actually receive my money?
After the deed records and the lender funds, the title company disburses proceeds, typically by wire the same day as closing or the next business day. Closings late in the day or on Fridays sometimes fund the following business day.
A Texas Ally agent can prepare a full net sheet with your actual payoff, current tax figures, and a pricing strategy to go with it. No obligation, no pressure.
Talk to a Texas Ally agentTexas Ally’s Platinum Plan pairs 100% commission with real broker support: contract review, compliance checks, and a real person on the phone when a deal gets weird. $99 a month plus low flat transaction fees.
See how the Platinum Plan works