Which costs should I subtract from my sale price?
Begin with the price a buyer might actually pay, not simply the price you hope to advertise. Subtract your estimated mortgage payoff, transaction costs, planned repairs, and any buyer concessions. The worksheet separates those categories so you can see which assumptions have the largest effect on your result.
Selling costs may include negotiated representation compensation, title and escrow charges, recording charges, prorations, and applicable HOA or other transaction items. Confirm the categories with the professionals preparing your net sheet. Do not put the same repair, fee, or concession into two fields; double-counting can make a reasonable offer appear less attractive.
Why is my mortgage balance not necessarily my payoff?
A statement balance may differ from the amount required to release your loan on a particular date. Accrued interest and other applicable charges can affect the payoff. If there is more than one loan or lien, all relevant amounts need to be considered before treating the remainder as available money.
Use an estimate here until your lender or escrow professional obtains the appropriate payoff information. Revisit it as your closing date becomes more certain. A rough equity calculation can help start a conversation, but a property-specific seller net sheet should use the costs and obligations that actually apply to your sale.
How do concessions change what I keep?
A higher purchase price does not necessarily produce higher proceeds. A buyer may request a closing-cost contribution, a repair credit, or other terms that affect your net. Change the sale price and concessions in the tool to compare those scenarios before deciding which offer best supports your priorities.
Track whether a repair will be completed before closing or addressed through a negotiated credit. These can have different cash-flow and contractual implications, even when the estimated total is similar. Review the terms in writing and confirm financing restrictions where relevant. An estimate does not establish which concessions a buyer, lender, or seller will accept.
Are estimated proceeds the same as profit?
No. This worksheet estimates transaction proceeds from the inputs you supply. It does not calculate your tax basis, capital gains, exclusions, depreciation recapture, or any tax liability. Those questions depend on facts that are not collected here and should be reviewed with a qualified tax professional.
A negative result is a projected shortfall, not money you receive. Additional obligations or selling expenses that you have not entered can reduce the outcome further. Likewise, carrying costs before closing and moving expenses may need a separate budget. Keep those decisions distinct from the amount shown on a preliminary net sheet.
How can I compare my Arizona selling options?
Use the same cost categories when comparing a cash offer, a listing launch, and a traditional market sale. Then compare preparation effort, likely payment overlap, possession arrangements, and your tolerance for uncertain timing. A cash offer's headline price is not a substitute for reviewing its deductions and conditions.
Team PACT can prepare a pricing review and seller net sheet based on your property. Representation compensation is negotiable and documented in your agreement. SellN7™ is a seven-day listing preparation and launch target, not a guaranteed sale. Cash offers depend on property eligibility and buyer participation. No preliminary estimate guarantees a price, closing date, or amount of proceeds.