05 / PREPARE YOUR HOME FOR SALE

Seller’s Estimated Net Proceeds Worksheet

Estimate what you may keep from your Colorado home sale. Adjust your sale price, negotiated fees, taxes, title charges, prorations, mortgage payoffs, and credits to see the numbers change.

A planning estimate, not a closing statement or tax calculation. All cost fields start at $0; zero does not mean a fee is waived. Enter your negotiated terms and written quotes. Nothing you enter is submitted or saved after leaving this page.

01 · Sale & closing

Expected sale price ($)Estimated closing dateClosing-day allocation

Property-tax proration uses actual calendar days and the selected allocation. Confirm the contract and title company’s calculation.

02 · Negotiated brokerage compensation

Listing brokerage fee basisListing brokerage fee (% or $)Seller-paid buyer brokerage fee basisSeller-paid buyer brokerage fee (% or $)

Compensation is fully negotiable, not set by law. Enter only the seller’s agreed obligations. If your listing fee already includes an amount paid to the buyer’s brokerage, split the amounts here so each dollar is counted once. A seller-paid buyer brokerage fee is not assumed or required by this worksheet.

03 · Taxes & prorations

Annual property-tax estimate ($)Include applicable metro-district taxes already on the bill.Current-year property taxes already paid ($)Exclude payments for prior tax years.Unpaid prior-year taxes / assessments ($)Do not repeat amounts already included elsewhere.Other prorations owed by seller ($)Utilities, HOA dues, rent or other contract allocations.Proration credits to seller ($)Prepaid HOA dues, fuel, or other confirmed credits.Seller-paid transfer tax (%)Use only if applicable; verify local rules and allocation.Other seller-paid transfer / tax charges ($)Tax withholding at closing ($)Enter a title-company or tax-advisor estimate, if applicable.

Property-tax proration = annual tax × seller-owned days ÷ days in the closing year, minus current-year taxes already paid. A negative amount is a credit. This does not determine tax liability or withholding exemptions.

04 · Title & settlement charges

Owner’s title insurance / endorsements ($)Use a written quote for the seller’s share.Settlement / closing service fee ($)Recording, release & document fees ($)HOA status, transfer & document fees ($)Seller-paid home warranty ($)Other closing fees ($)

Enter only seller-paid charges from the contract and provider quotes. Title insurance is not calculated as a universal percentage; premiums and endorsements vary.

05 · Payoffs & buyer credits

First mortgage payoff ($)Use a payoff statement valid through closing, including interest and fees.Second mortgage / HELOC payoff ($)Other lien payoffs ($)Buyer closing-cost concessions ($)Exclude buyer brokerage compensation entered above.Repair / inspection credits at closing ($)

A mortgage balance may differ from its payoff amount. Do not add accrued interest or release fees again if they are already included in a payoff quote. Escrow refunds received after closing are excluded.

06 · Separate planning costs

Preparation / staging / repairs paid outside closing ($)Additional income-tax reserve after closing ($)Optional advisor-provided reserve, beyond any withholding above.

These amounts reduce the planning remainder, not the estimated closing check. Income taxes and capital gains depend on basis, exclusions, ownership, use, and other facts; this worksheet does not calculate them.

Use this estimate with your closing team

Confirm each charge with your lender, title company, and agent. Bring tax questions to your tax advisor. Earnest money is part of the purchase price, so it is not added again. The calculation assumes you receive the full sale price at closing; seller financing, assumed loans, or retained deposits require separate adjustments.

Planning guidance reviewed October 29, 2026. Your signed documents and final settlement statement control.

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