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How Much Will I Make From the Sale After Expenses?
(Santa Barbara Real Estate Sellers Guide)
One of the most important questions for Santa Barbara sellers is, “What will I walk away with after everything is paid?” That number is called your net proceeds—and it depends on your price, loan balance, and escrow outcomes.
The Main Expenses That Affect Your Net
1) Mortgage / HELOC Payoff If you have a loan, it’s paid off at closing (plus any lender fees).
2) Agent Compensation This is negotiated up front in the listing agreement and can vary based on strategy and services.
3) Escrow + Title Costs Closing costs can include escrow fees, title-related charges, recording/document fees, and settlement services.
4) Prorations You typically pay property taxes (and HOA dues if applicable) up to the closing date.
5) Repairs, Credits, and Concessions After inspections and appraisal, you may agree to repairs or offer credits to keep the deal moving.
6) Optional Prep & Moving Costs Cleaning, paint touch-ups, landscaping, staging, movers, storage, etc.
A Simple Net Proceeds Formula
Estimated Net = Sale Price – Loan Payoff – Closing Costs – Credits/Repairs – Prep Costs
The Best Way to Know Your Number
At Etherton Real Estate Group, we prepare a seller net sheet based on your likely sale price, loan payoff, and typical costs—so you can plan your next move confidently.
Start with a free Santa Barbara home valuation: 👉 https://www.ethertonrealestate.com/home_value Learn more about Justin and our values-based approach: 👉 https://www.ethertonrealestate.com/agent-profile/justin-etherton-13844616
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