Cash offer vs. listing: net proceeds calculator
Short answer: net proceeds = sale price − repairs − agent commission − closing costs − buyer fees − holding costs. This calculator runs that formula for both paths so you can compare what you actually keep.
The numbers below are example assumptions only. Replace every one with your own figures and quotes. Cash offers are often below market value; enter the actual offer you received as a percentage of value.
How the math works
- Listing: value − repairs − (commission % × value) − (closing % × value) − (months × monthly costs).
- Cash buyer: (offer % × value) − (fee % × offer) − (closing % × offer) − (months × monthly costs). As-is buyers usually do not ask for repairs, so repairs are not subtracted.
Want a real number to plug in? You can request a no-obligation cash offer from HomeCashOffer and compare it here against any other offer or an agent's estimate.
Frequently asked questions
What is a typical cash buyer fee?
It varies by company. Some iBuyers publish service fees (for example, Offerpad lists a 5% service fee), while many direct buyers say they charge no commission. Ask every buyer for all costs in writing.
Why include holding costs?
Every month you own the house you keep paying mortgage interest, taxes, insurance and utilities. A faster sale can offset part of a lower price.
Are the default numbers accurate for my home?
No. They are example assumptions so the calculator shows something. Replace them with your own figures.