How Much Will You
Walk Away With?
Enter your numbers and see your estimated net proceeds instantly — no sign-up, no phone call required. Built on real Kern County escrow and title data from actual ALTA statements we've closed locally.
- Real Kern County closing costs — not flat-rate guesses
- Full line-item breakdown: commissions, escrow, title, taxes
- Editable commission rates — use your actual agreement
- CA FTB 593 withholding toggle for non-resident sellers
We'll pull your comps and run the real numbers
Net Proceeds Calculator
Enter Your Numbers Below
All closing cost fields are pre-calculated using real Kern County rates. Just enter your sale price, mortgage balance, and commission rates.
Sale Details
Credits & Other Costs
State Withholding
CA requires FTB 593 withholding of 3.33% of sale price for non-residents. CA residents are typically exempt — confirm with your CPA.
Escrow, title, transfer tax, NHD report, notary, and home warranty are calculated automatically from real Kern County rates. These are estimates — contact us for an exact net sheet.
Where Your Money Goes
Important Notes
What This Number Doesn't Include
The calculator gives you a reliable closing-cost estimate. A few things require your personal situation to calculate accurately.
Capital Gains Tax
If you have owned and lived in the home for 2 of the last 5 years, up to $250,000 of gain ($500,000 married) is typically excluded. Anything above that may be taxable. Your CPA calculates this — not your broker.
Consult a licensed CPA for your situation
Additional Liens
Second mortgages, HELOCs, IRS tax liens, judgment liens, or mechanic's liens must be paid at close before you receive proceeds. Your title report will surface all of these — we order it early so there are no surprises.
Title search reveals all liens on your property
Moving Costs
Local moves in Kern County typically run $1,500–$4,000 for a standard home. Long-distance moves can be significantly more. These come out of pocket after closing and should factor into your relocation budget.
Budget separately from your net proceeds
Behind the Calculation
Real Kern County Closing Costs — Not Estimates
Most online calculators use flat percentages. Ours uses actual fee schedules calibrated from ALTA settlement statements on transactions we have closed in Kern County.
Commissions
- Listing commission — your agreement
- Buyer agent commission — negotiable
- MRC processing fee — $495 flat
Title & Escrow
- Escrow fee — max($475, 0.2% of price)
- Owner's title policy — scaled to price
- Transfer tax — $1.10 per $1,000
- Notary, recording, 593 processing
Seller Costs
- Home warranty — $550 (standard)
- NHD report — $100
- HOA transfer fee — if applicable
- Repair credits / concessions — your inputs
Common Questions About Seller Net Proceeds
How accurate is this calculator?
Very accurate for Bakersfield and Kern County. The escrow fees, title policy costs, transfer tax, notary, and government fees are all calibrated from real ALTA settlement statements we have closed locally. Commission rates are editable — enter your actual agreement. The main variable we cannot know is your exact mortgage payoff balance, which your lender can confirm.
What is the MRC Processing Fee?
My Realty Company charges a $495 transaction processing fee in addition to commission. It covers transaction management, coordination with escrow and title, and the administrative work from contract to close. It is included in the calculator automatically.
What is CA FTB 593 withholding?
California requires escrow to withhold 3.33% of the sale price for sellers who are not CA residents at the time of close. CA residents are typically exempt — you certify your residency status on the FTB 593 form at signing. Toggle "CA Resident" in the calculator to see the impact. Confirm your situation with your CPA.
What does the mortgage payoff include?
Your payoff balance is your outstanding principal plus accrued daily interest up to the payoff date, plus any prepayment penalty if your loan has one (rare on most conventional and FHA loans). Call your servicer or check your online portal for a 30-day payoff quote — it will be slightly higher than your current balance.
Can I negotiate who pays buyer agent commission?
Yes. Since the NAR settlement changes in 2024, buyer agent compensation is now negotiated separately. You may offer any amount — or nothing — to a buyer's agent. The buyer's agent and their client negotiate that directly. We will advise you on what is competitive in the current Bakersfield market to attract the most buyers.
What is not included in this estimate?
Capital gains tax (federal and state income tax on profit — consult a CPA), any liens beyond your primary mortgage (second mortgages, HELOCs, IRS or judgment liens), unpaid HOA dues or special assessments, and moving costs. These are noted below the calculator and are important to factor into your real numbers.
What if my net proceeds are negative?
This means you owe more than the home will net after costs — a "short sale" situation. This is more common than most people expect, especially after periods of appreciation followed by refinancing. It does not mean you are out of options. A short sale, loan modification, or other path may be available. See our pre-foreclosure page for more detail.
How do I get an exact net sheet?
Fill out the form below. We will run a full comparable market analysis, pull your property's title information, and prepare a personalized net sheet with your actual mortgage payoff, current market value estimate, and all Kern County closing costs specific to your property. No charge, no commitment.
Want the Real Number on Your Home?
The calculator gives you a solid estimate. For an exact net sheet — with your actual mortgage payoff, a current market value based on real comps, and all costs specific to your property — fill out the form below. Free, no commitment.
(661) 543-4663Get Your Personalized Net Sheet
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My Realty Company, Inc. — Licensed California Real Estate Broker — DRE #02161424 — Bakersfield, CA. This calculator is for informational purposes only and does not constitute a Loan Estimate, Closing Disclosure, or professional financial advice. Consult a licensed CPA for tax implications. Privacy Policy