Stoeber Agency · Compass
What will you actually walk away with?
Estimate your net proceeds from selling a South Santa Barbara County home — your sale price, less what you owe and what it costs to sell.
Your numbers
Your best estimate. Not sure? Request a value — linked below the result.
Cost of selling
Negotiable — enter your agreed rate.
Typical CA range; escrow sets the exact figure.
CA county rate is 0.11%. Some cities add more.
NHD, home warranty, recording, misc.
Any negotiated credits or concessions.
Your estimate
This is an estimate for planning, not a guarantee of proceeds. Actual figures are set by your escrow and title officers and depend on your final sale price, loan payoff, negotiated terms, prorations, and local tax rates. Real estate commissions are negotiable. This tool does not calculate capital gains tax and is not tax, legal, or accounting advice. Confirm your net with your escrow officer and a qualified tax professional before relying on it.
Alexander Stoeber · DRE #02090649 · Compass
Selling in Santa Barbara
Understanding your net proceeds
The number that matters when you sell is rarely the sale price — it’s what lands in your account after the mortgage is paid off and the cost of selling comes out. That figure decides what your next move can be.
The calculator above estimates it from your own inputs: sale price, loan payoff, and the standard California seller cost stack. It doesn’t predict what your home is worth — you supply that — it does the arithmetic on what comes out. For a precise figure tied to your property and timeline, the walkthrough is the next step.
What are net proceeds from a home sale?
Net proceeds are what a seller keeps after the sale price is reduced by the remaining mortgage balance and the costs of selling — agent commission, title and escrow fees, transfer taxes, and any credits negotiated with the buyer. It is the walk-away figure, and it is almost always meaningfully lower than the sale price.
How do I calculate my net proceeds?
Start with your estimated sale price, subtract your loan payoff (first mortgage plus any second loan or HELOC), then subtract the cost of selling: commission, title and escrow, county transfer tax, other closing costs, and any buyer credits. What remains is your estimated net. The calculator above runs this for you from your own numbers.
What does it cost to sell a house in Santa Barbara?
Selling costs are driven mostly by commission, with title, escrow, transfer tax, and miscellaneous closing items on top. Commission is negotiable and set by your listing agreement. Transfer tax in California runs 0.11% of the sale price at the county level, and some cities add their own. Because these scale with price, the total cost of selling is best estimated on your actual number rather than a rule of thumb.
Who pays closing costs when selling a home?
Both sides carry closing costs, and who pays what is partly customary and partly negotiated. Sellers typically carry commission, owner’s title costs in many California counties, county transfer tax, and prorated items. Buyers typically carry loan costs and their own title and escrow charges. The specifics vary by contract and by local custom, which is one reason a net sheet is worth reviewing with your agent.
Are real estate commissions negotiable?
Yes. Commission rates are always negotiable and are set in your listing agreement, not fixed by law or by any standard rate. The calculator defaults to an editable figure precisely so you can enter the rate that applies to your situation. What a given rate buys — marketing, positioning, negotiation — is worth weighing alongside the number itself.
Does selling my home trigger capital gains tax?
It can, and this calculator does not account for it. Federal rules currently allow a primary-residence exclusion of up to $250,000 in gain for a single filer and $500,000 for a married couple filing jointly, subject to ownership and use tests. Gain above the exclusion, and sales of non-primary residences, may be taxable. This is general information, not tax advice — confirm your situation with a qualified tax professional.
How accurate is this estimate?
It is a planning estimate, not a settlement statement. The commission, title, escrow, transfer, and other cost lines are all editable so you can match your situation, but the binding figures are set by your escrow and title officers at closing and depend on the final terms. Treat the result as a starting frame for the conversation, not a guaranteed number.
Keep going
Weighing a sale and want the real number for your home? That conversation is the useful next step — start one here. Alexander Stoeber is a real estate advisor with Compass, serving South Santa Barbara County.
Work With Alexander
Ready to understand your next move?
Request a private consultation with Alexander Stoeber to discuss the market, the property, and the decision in front of you.
COMPASS
Alexander Stoeber is a Santa Barbara real estate advisor with Compass, helping owners and buyers understand the market, the parcel, and the decision before they move.
Address
801 Chapala St, Santa Barbara, CA 93101
Alexander Stoeber
(805) 568-7889
Subscribe to Our Newsletter
Let's Connect
Experience Life By Design
Copyright ©2024|Privacy Policy
Real Estate Website Design by Luxury Presence
All information is deemed reliable but not guaranteed and should be independently reviewed and verified.
