Home Sale Calculator

How the Home Sale Calculator Works

The calculator estimates what you take home from a sale, not just what the buyer pays. Enter the expected sale price, the balance on any mortgage or home-equity line, the commission you have agreed with your agent, and an allowance for closing costs and repairs. It subtracts each of those from the price and shows your estimated net proceeds.

Use it two ways. First, with the price you hope for, to see whether a move makes sense. Second, with a range of prices, to understand how much a lower offer or a buyer concession actually costs you once everything else is fixed. The number that matters is the one at the bottom, and a free home valuation from a Discover PHX agent will give you a realistic price to start from.

Two-story Mediterranean-style Phoenix home with a tile roof and palo verde tree lit at dusk

What Sellers in Phoenix and Scottsdale Pay at Closing

Arizona has no real estate transfer tax, which keeps seller costs lower than in many states. The items that do appear on a Maricopa County settlement statement are:

Commission. Negotiable and agreed in writing with your agent before the home is listed; it is usually the largest line.
Title and escrow. Arizona closes through escrow companies. By local custom the seller pays for the owner’s title policy and half of the escrow fee, while the buyer pays the lender’s policy and the other half.
Property taxes. Arizona bills taxes in two installments and in arrears, so the seller credits the buyer for the days of the year already owned, or vice versa.
Mortgage payoff and interest. The payoff figure from your lender includes interest through the closing date and any recording or reconveyance fees.
Repairs, concessions and inspections. Whatever you agree after the buyer’s inspection, plus a pool inspection or barrier fix if the home has a pool, and any HOA disclosure and transfer fees, which Arizona caps but which still land on the settlement statement.
Home warranty. Optional, and often offered to the buyer as part of the negotiation.

Sellers in Phoenix, Scottsdale, Paradise Valley and across the East and West Valley use the same calculation; what changes is the price, the HOA and how much preparation the neighborhood expects.

Two-story tan stucco home with a tile roof, three-car garage and desert landscaping

How to Raise the Number at the Bottom

Three decisions move net proceeds more than anything else. Price: a home priced from real comparable sales sells faster and with fewer concessions than one priced from hope. Preparation: spend only on the repairs and improvements that return more than they cost in your neighborhood, which your agent can tell you from recent sales. Timing and marketing: professional photography, copy and direct-to-buyer advertising bring more buyers, and more buyers mean less negotiating down.

If the estimate is close to what you owe, or you would rather not prepare and show the home, compare it with a guaranteed cash offer, which has no repair or closing costs. Your agent can put both numbers side by side. Read how we sell homes in Phoenix and Scottsdale for the full process.