How Much Will You Walk Away With?

Enter a few numbers to see all your costs. Anonymous · No email · Shareable

Input

Sale Price (estimated)

Mortgage Balance

Purchase Price

Years Held / Owner-Occupied

years

✓ Qualifies for Section 121 exclusion (owner-occupied 2+ of last 5 years)

Marital Status

Buyer Agent Commission % (v2 plan)

Post-2024 NAR reform, can be set to 0%. Market norm is 2–2.5%

How Much You'll Get

v2 Hybrid Tier (0.5% · Recommended)

$1,272,287net proceeds

Self-service 0.25% saves even more · Full-service 1% still saves 80%+

vs. Traditional 5% (seller 2.5% + buyer 2.5%)

$1,235,887

You save $36,400

Equivalent to 10 months of household expenses (reference only)

About These Numbers

· Traditional plan commission 5% (seller agent 2.5% + buyer agent 2.5%); v2 has 3 tiers (self-service 0.25% / hybrid 0.5% / full-service 1%, this calculator defaults to hybrid), buyer agent commission set independently
· The 60–90% savings claim is based on v2 seller-side commission vs. traditional seller 2.5%; buyer agent commission is fully decoupled from v2 pricing
· Transfer tax estimated at $1.10/$1,000 (Santa Clara County standard; actual rate varies by county)
· Capital gains tax estimated at ~24–37% (Federal LTCG 0/15/20% + California progressive + NIIT 3.8%, depending on income). This calculator uses 30% as a midpoint reference
· Owner-occupied 2+ of last 5 years qualifies for $250K (single) / $500K (married filing jointly) exclusion
· All figures are for reference only; final amounts governed by closing statement

You Might Also Want to Know

$1,700,000→ $1,192,295

$1,820,000 ★→ $1,272,287

$1,900,000→ $1,325,615

$2,000,000→ $1,392,275

Use AI valuation to calibrate the "sale price" input above for more accurate results.