Homeowners usually want one clear answer: How much money will I receive when my home sells?
This page explains what costs to expect, how your net proceeds are calculated, and what varies between Oceanside, the Inland Empire, and different types of transactions.
What a Seller Net Sheet Is
A seller net sheet shows your estimated proceeds after all selling-related expenses are deducted. It’s not a bill—it’s a planning tool that helps you understand your numbers before you hit the market.
Your net sheet typically includes:
• estimated sale price,
• loan payoff(s),
• closing costs,
• prorated taxes and fees,
• buyer credits (if any),
• your final estimated net.
A well-prepared net sheet helps you plan your next move with confidence.
Typical Seller Closing Costs in California
These costs vary by county, but most sellers can expect some or all of the following:
1. Real Estate Commissions
Seller pays the listing agent. The buyer’s agent compensation is not pre-set and may be negotiated as part of the offer process. Any contribution toward the buyer’s agent fee is optional and determined during negotiations.
2. Title Fees
Fees for title insurance and related title services.
• Sellers usually pay the owner’s policy in most of Southern California.
• The amount varies based on the sale price.
3. Escrow Fees
Shared between buyer and seller unless negotiated differently.
Covers document preparation, handling funds, and closing coordination.
4. County Transfer Tax
Varies by county.
• Riverside & San Bernardino Counties use the standard rate of $1.10 per $1,000 of sale price.
• San Diego County follows the same state rate unless a city adds an additional tax.
5. Recording Fees
Paid to the county for recording the deed.
6. Natural Hazard Disclosure Report (NHD)
Required in California and typically paid for by the seller.
7. Termite / Pest Inspection
Optional unless negotiated or required by the buyer’s lender.
If repairs or clearance are agreed to, those costs are separate.
8. HOA Fees (If applicable)
May include:
• HOA document package,
• transfer fees,
• prorated dues,
• move-out fees.
9. Repairs or Credits (If negotiated)
Some sellers complete repairs; others offer a credit.
This is entirely negotiation-driven after inspections.
Your Loan Payoff Amount
Your mortgage payoff is a major factor in your final proceeds.
This includes:
• the principal balance,
• prorated interest,
• payoff-related lender fees.
HELOCs, mortgages, or additional liens are also included.
Prorated Property Taxes
California prorates taxes to the day of closing.
Depending on the date, you may owe a balance or receive a credit.
What Changes Based on Location?
Oceanside / San Diego County
• Coastal demand can support stronger pricing.
• Military and relocation buyers are common.
• Condos may have higher HOA-related fees.
• Move-in ready homes tend to sell faster.
Inland Empire (Riverside & San Bernardino Counties)
• FHA/VA buyers are more common, sometimes influencing repair negotiations.
• Appraisal sensitivity varies by price point.
• Larger lots or RV parking may increase value.
• Newer communities may have additional HOA or community charges.
How Long Does It Take to Get a Net Sheet?
You receive an estimated net sheet during your consultation based on:
• likely sale price,
• your mortgage payoff,
• county-specific fees,
• any property-specific details.
It’s updated again once offers arrive so you always know your numbers.
What Impacts Your Final Net the Most
The three biggest factors are:
- Sale price,
- Loan payoff,
- Credits or repairs negotiated with the buyer.
A strong pricing strategy and clean presentation support better results.
A clear breakdown of your estimated proceeds based on your home and your timeline.