Home sale proceeds calculator
What you'll walk away with after commission, legal fees and paying off your mortgage.
Home sale proceeds calculator
What you'll walk away with after commission, legal fees and paying off your mortgage.
Cash in your pocket
$175,280
From a $450,000 sale
Costs of selling
- Commission
- $18,000
- HST on commission
- $2,520
- Legal fees
- $1,200
- Repairs, staging, cleaning
- $1,500
- Moving
- $1,500
- Total selling costs5.5% of the sale price
- $24,720
Paying off the mortgage
- Balance + penalty
- $250,000
- Net proceeds
- $175,280
In Nova Scotia the buyer pays deed transfer tax, not the seller. If it's your principal residence, the gain is usually tax-free.
Estimate only, not legal, tax or financial advice. Your lawyer's statement of adjustments has the final numbers. Nothing you enter is saved or sent anywhere: it clears when you leave the page.
How this calculator works
- Selling costs are the commission, HST on the commission, legal fees, and whatever you spend getting the home ready and moving.
- Your lender is paid the mortgage balance plus any prepayment penalty from the sale proceeds on closing day.
- Closing adjustments settle prepaid costs like property tax between you and the buyer. The buyer pays deed transfer tax in Nova Scotia.
Sources
Rules and rates last checked October 4, 2026.
More calculators
Selling
Commission calculator
Real estate commission plus HST on your sale, with a flat or two-tier rate.
Buying
Cost-to-buy calculator
Cash to close, CMHC insurance, deed transfer tax and your monthly payment for any Nova Scotia home price.
Buying
Deed transfer tax calculator
Municipal deed transfer tax for every Nova Scotia municipality, plus the non-resident tax if it applies to you.