A net sheet is a planning estimate
Start with an assumed sale price, subtract mortgage and lien payoffs, then subtract estimated agreed selling expenses and credits. The result is a scenario—not a promise or a final closing statement.
The calculator’s starting values are illustrative inputs. Replace them with your information. Compensation is negotiable, and any percentage you enter represents an assumption rather than a standard rate.
Use current supporting documents
A mortgage balance is not necessarily a closing-date payoff. Interest, fees and a changing closing date can affect the amount required to release the lien. Obtain lender figures and identify any additional secured obligations.
Ask escrow or title for estimated charges, transfer-related costs and prorations. HOA resale documents and account balances may add items that are not obvious from your monthly payment.
Compare scenarios before accepting terms
Run more than one scenario: a different price, a repair credit, or a longer period of carrying expenses. Keep assumptions consistent so you can see what actually changes.
Before signing an agreement or using the proceeds for another purchase, ask Joshua and your closing provider to reconcile the estimate with the proposed contract. The final closing statement controls actual disbursements.