Home Sale Net Proceeds Calculator | J&B Homebuyers

What Will You Actually Walk Away With?

Compare your true net proceeds from a traditional listing versus a cash offer — after every cost is factored in.

Tell Us About Your Home

$
What you think the home would sell for in good condition
$
Current payoff amount (enter 0 if paid off)
$
What it would cost to fix up before listing
$
Mortgage + taxes + insurance per month
This sets the days-on-market used to calculate carrying costs
Option A
Traditional Listing with Agent
Sale price (est.)
Agent commission (5.5%)
Closing costs (~2.5%)
Repairs before listing
Carrying costs
Mortgage payoff
You walk away with:
Average 60–90+ days to close
Option B
Cash Offer from J&B Homebuyers
Estimated cash offer
Agent commissions $0
Closing costs $0 (we cover them)
Repairs $0 (as-is)
Carrying costs $0 (as little as 14 days)
Mortgage payoff
You walk away with:
✓ No repairs · No fees · Close in as little as 14 days

Get Your Real Cash Offer — No Obligation

These numbers are estimates. Get an exact cash offer from J&B Homebuyers specific to your home — no repairs, no fees, no pressure.

Get My Free Cash Offer →
Takes less than 2 minutes · No spam · No obligation

This calculator provides estimates for educational purposes only. Cash offer estimates use a simplified model and actual offers may vary based on property condition, location, and current market conditions. Traditional sale figures assume a 5.5% agent commission, 2.5% in seller-paid closing costs, and average carrying time for your selected timeline. Results are not a guarantee of any specific offer or sale price.

function fmt(n) { if (isNaN(n)) return ‘–‘; var abs = Math.abs(n); var formatted = ‘$’ + Math.round(abs).toLocaleString(‘en-US’); return n < 0 ? '-' + formatted : formatted; } function fmtNeg(n) { return '-$' + Math.round(Math.abs(n)).toLocaleString('en-US'); } function rehabDays(r) { if (r <= 0) return 0; if (r <= 10000) return 14; if (r <= 25000) return 30; if (r <= 50000) return 60; if (r <= 100000) return 90; return 120; } ['homeValue','mortgage','repairs','monthlyPayment'].forEach(function(id) { document.getElementById(id).addEventListener('input', function(e) { var pos = e.target.selectionStart; var raw = e.target.value.replace(/[^0-9]/g, ''); var prev = e.target.value; e.target.value = raw ? parseInt(raw, 10).toLocaleString('en-US') : ''; var diff = e.target.value.length – prev.length; e.target.setSelectionRange(pos + diff, pos + diff); }); }); function parseField(id) { return parseFloat(document.getElementById(id).value.replace(/,/g, '')) || 0; } function calculate() { var homeValue = parseField('homeValue'); var mortgage = parseField('mortgage'); var repairs = parseField('repairs'); var monthly = parseField('monthlyPayment'); var domDays = parseInt(document.getElementById('timeline').value) || 75; if (homeValue 0 ? ‘(‘ + rhDays + ‘ days rehab + ‘ + domDays + ‘ days on market)’ : ‘(‘ + domDays + ‘ days on market)’; var salePrice = homeValue * 0.97; var commission = salePrice * 0.055; var closing = salePrice * 0.025; var carrying = monthly * totalMonths; var tradNet = salePrice – commission – closing – repairs – carrying – mortgage; var cashOfferRaw = (homeValue * 0.70) – repairs; var cashOffer = Math.max(cashOfferRaw, homeValue * 0.50); var cashNet = cashOffer – mortgage; document.getElementById(‘r-salePrice’).textContent = ‘$’ + Math.round(salePrice).toLocaleString(); document.getElementById(‘r-commission’).textContent = fmtNeg(commission); document.getElementById(‘r-closing’).textContent = fmtNeg(closing); document.getElementById(‘r-repairs’).textContent = repairs > 0 ? fmtNeg(repairs) : ‘$0’; document.getElementById(‘r-carrying’).textContent = carrying > 0 ? fmtNeg(carrying) : ‘$0’; document.getElementById(‘r-carrying-label’).textContent = carryLabel; document.getElementById(‘r-mortgage-trad’).textContent = mortgage > 0 ? fmtNeg(mortgage) : ‘$0’; document.getElementById(‘r-trad-net’).textContent = fmt(tradNet); document.getElementById(‘r-trad-net’).style.color = tradNet >= 0 ? ‘#16a34a’ : ‘#dc2626’; var tlText = rhDays > 0 ? ‘Avg. ‘ + rhDays + ‘ days to rehab + ‘ + domDays + ‘ days on market = ‘ + totalDays + ‘ total days’ : ‘Avg. ‘ + domDays + ‘ days on market to close’; document.getElementById(‘r-trad-timeline’).textContent = tlText; document.getElementById(‘r-dom-source’).textContent = ”; document.getElementById(‘r-cashOffer’).textContent = ‘$’ + Math.round(cashOffer).toLocaleString(); document.getElementById(‘r-mortgage-cash’).textContent = mortgage > 0 ? fmtNeg(mortgage) : ‘$0’; document.getElementById(‘r-cash-net’).textContent = fmt(cashNet); var diff = tradNet – cashNet; var absDiff = Math.abs(diff); var diffFmt = ‘$’ + Math.round(absDiff).toLocaleString(); if (diff > 5000) { document.getElementById(‘diff-headline’).textContent = ‘A traditional listing could net you ~’ + diffFmt + ‘ more on paper.’; document.getElementById(‘diff-body’).textContent = ‘But that assumes repairs stay on budget, the home sells at full price, and it closes in around ‘ + totalDays + ‘ days. If any of those slip, a cash offer may close the gap — or beat it entirely.’; } else if (diff < -5000) { document.getElementById('diff-headline').textContent = 'A cash offer could put ~' + diffFmt + ' more in your pocket than a traditional listing.'; document.getElementById('diff-body').textContent = 'Once you factor in ' + totalDays + ' days of carrying costs, repairs, commissions, and closing costs, the traditional route costs more than it looks. A cash sale closes in as little as 14 days — no showings, no waiting.'; } else { document.getElementById('diff-headline').textContent = 'These two options are within ' + diffFmt + ' of each other.'; document.getElementById('diff-body').textContent = 'The difference comes down to your priorities. Need certainty and speed? A cash offer delivers both with zero hassle. Have time and want to maximize price? A traditional listing may be worth the wait.'; } document.getElementById('inputCard').style.display = 'none'; document.getElementById('results').classList.add('visible'); window.scrollTo({ top: 0, behavior: 'smooth' }); } function reset() { document.getElementById('inputCard').style.display = 'block'; document.getElementById('results').classList.remove('visible'); window.scrollTo({ top: 0, behavior: 'smooth' }); } document.getElementById('calcBtn').addEventListener('click', calculate); document.getElementById('resetBtn').addEventListener('click', reset);
J&B HomebuyersAsk us anything
Hi! Thinking about selling your house? Ask me anything!