Is the agent commission a set number?

No. Commission is negotiable and is agreed in writing with your listing agent. Enter the number in your listing agreement.

Who pays the transfer tax when selling?

In New Jersey the seller usually pays the realty transfer fee. In New York the seller usually pays the state transfer tax, and in New York City also the city transfer tax. This calculator works out the amount from the official rates, and your attorney confirms it. Over $1 million, the New Jersey seller also pays the graduated percent fee.

Where do I get my mortgage payoff?

Ask your loan servicer for a written payoff statement. It is different from the balance on your monthly statement because it includes interest up to the payoff date.

Calculators

Seller net proceeds calculator

See what you walk away with after the mortgage payoff and selling costs. Enter your own numbers and your own quotes.

Your numbers

The numbers filled in are examples only. Replace them with your own.

Where is the home?

Sale price

Mortgage payoff

Agent commission (percent of sale price)

Attorney and title fees

Other costs (repairs, credits to buyer)

We calculate the transfer taxes from the official rates for where the home is. Exemptions and the contract can change them, so your attorney confirms the final amount. Official rates: NJ Division of Taxation, Realty Transfer Fees · NJ Division of Taxation, Graduated Percent Fee memo (July 2, 2025) Rates checked November 2026.

Results

Estimated cash to you: $170,825
Mortgage payoff: $300,000
Total selling costs: $29,175
Agent commission: $25,000
Transfer taxes (seller, calculated): $4,175

Estimate only, not a loan offer or advice. Real costs depend on your lender, credit, taxes and insurance quotes.

Questions people ask

Is the agent commission a set number?: No. Commission is negotiable and is agreed in writing with your listing agent. Enter the number in your listing agreement.
Who pays the transfer tax when selling?: In New Jersey the seller usually pays the realty transfer fee. In New York the seller usually pays the state transfer tax, and in New York City also the city transfer tax. This calculator works out the amount from the official rates, and your attorney confirms it. Over $1 million, the New Jersey seller also pays the graduated percent fee.
Where do I get my mortgage payoff?: Ask your loan servicer for a written payoff statement. It is different from the balance on your monthly statement because it includes interest up to the payoff date.