Real estate information and calculations, built for clarity
Proceeds IQ helps home sellers, homeowners, real estate professionals, and investors understand what actually happens to a home's sale price once commissions, closing costs, taxes, and mortgage payoff are accounted for. We build calculators and educational resources around the financial side of selling property in the United States, with attention to how costs and practices differ from state to state.
What is Proceeds IQ?
Proceeds IQ is a real estate calculation and information platform focused on one specific question: how much money does a seller actually walk away with after a home sale? The listing price and the sale price are the numbers most people see first, but neither reflects what lands in a seller's account after commissions, title and escrow fees, transfer taxes, recording fees, mortgage payoff, and any credits or concessions negotiated into the deal.
Those deductions are not fixed. They shift based on where the property is located, the terms of the transaction, the size of the remaining mortgage, and decisions made during negotiation. A seller in one county may face a materially different closing cost structure than a seller in a neighboring one, simply because state and local rules, customary practices, and tax rates differ. Proceeds IQ exists to make those differences visible and calculable, rather than leaving sellers to estimate them from a single national average.
Why we built Proceeds IQ
A home sale involves more moving financial parts than most sellers expect going in: real estate commissions, closing costs, transfer taxes, title-related expenses, escrow fees, recording fees, an outstanding mortgage payoff, seller credits or concessions negotiated with the buyer, and sometimes repair costs agreed to during inspection. Individually, each item is often small relative to the sale price. Together, they can meaningfully change what a seller nets from the transaction.
Proceeds IQ was built to make those combined financial considerations easier to understand before a seller is deep into a transaction, using tools that lay out each cost component rather than compressing everything into a single opaque estimate.
Clarity
Making complicated transaction costs easier to understand, one line item at a time.
Transparency
Explaining the assumptions and calculation methods behind every estimate we produce.
Practicality
Building tools and resources people can actually use when preparing to sell.
What Proceeds IQ helps people understand
Four financial questions come up in nearly every home sale. Our tools and content are organized around them.
Seller Proceeds
The sale price and the amount a seller ultimately receives are rarely the same figure. Commissions, payoff amounts, fees, and credits sit between the two, and seller proceeds calculations exist to bridge that gap with a clearer estimate.
Closing Costs
Sellers can encounter a range of transaction-related expenses at closing, from title and escrow charges to recording and transfer fees. Which of these apply, and at what rate, depends heavily on location and transaction terms.
State and Local Differences
Closing costs, transfer tax rates, and customary practices are not standardized nationally. They can vary by state, county, and municipality, and sometimes by the specifics of an individual transaction.
Financial Scenarios
Sale price, remaining mortgage balance, commission rate, buyer credits, and other expenses all interact. Adjusting any one of these variables changes the estimated proceeds, which is why scenario-based calculation is more useful than a single static number.
Our approach to calculations
Each calculator on Proceeds IQ is built through the same process: research, sources, assumptions, calculation, explanation, and review — so the logic behind a result is traceable rather than a black box.
Research
The transaction-cost components relevant to a given calculator — commissions, taxes, fees, payoff, and location-specific factors — are identified before any code is written.
Identify Costs
Those components are organized into a clear structure: what's a fixed fee, what's a percentage, what varies by state or county, and what depends on user input.
Apply Relevant Information
Applicable rates, fees, and assumptions are built into the calculator alongside the figures a user enters, with defaults chosen to reflect typical scenarios.
Calculate
The calculator processes the inputs according to its stated logic and produces an estimate, not a promise of the final number a seller will see at closing.
Explain
Results are shown alongside the assumptions and limitations behind them, so a user can see why the number looks the way it does — not just the number itself.
State and local real estate information
Real estate transaction expenses can vary by state, county, municipality, property characteristics, and the specifics of a given transaction — including applicable transfer taxes, recording fees, customary commission structures, and other location-dependent costs. Because of this, a single nationwide estimate is often not precise enough to be genuinely useful.
This is why Proceeds IQ is developing state-specific calculators and resources rather than relying on one generalized U.S. average — building out coverage state by state, with the closing cost structures and considerations relevant to each.
Proceeds IQ is actively building toward calculators covering all 50 states. Coverage today reflects the states we've completed research and development for so far, with additional states added as research on their specific closing cost components, fee structures, and local considerations is completed.
Commitment to accuracy and transparency
We hold our own tools to a consistent set of standards.
Clear Assumptions
Users should be able to see what a given calculation assumes before relying on the result.
Transparent Methodology
The basic logic behind a calculation should be understandable, not hidden behind the result.
Source-Aware Research
Relevant information is researched using appropriate sources for the topic at hand.
Review and Updates
Information is revisited and updated over time as rates, fees, or local practices change.
User Feedback
Users have a way to report a possible error or flag information that may be outdated.
How we research information
Where applicable, Proceeds IQ prioritizes official government and primary sources for location-specific information, and supplements that research with supporting sources where useful context is needed.
Official and Primary Sources
Where relevant, we draw on state, county, and municipal government websites, state tax and revenue departments, county recorder or recording offices, treasurer and tax collector resources, official government publications, public fee schedules, and applicable statutes and regulations.
Supporting Research
Relevant industry and educational sources are used where they add useful context to a topic beyond what primary sources cover. Not every figure in every calculator traces to a single government document — where that's the case, we say so rather than implying otherwise.
Review and Maintenance
Published information is reviewed and updated as necessary, since rates, fees, and local practices can change over time.
Who Proceeds IQ serves
Home Sellers
People trying to understand the financial side of selling a home before they list it.
Homeowners
People researching potential selling costs and financial scenarios ahead of a decision.
Real Estate Professionals
Professionals looking for practical calculation tools and educational resources for clients.
Investors
People analyzing property-sale economics and transaction costs across multiple scenarios.
Our editorial principles
Clarity
Information on Proceeds IQ should be understandable to someone without a real estate or finance background.
Transparency
Important assumptions and limitations behind a calculation or explanation should be visible, not buried.
Relevance
Content should answer the practical questions people actually have when preparing to sell property.
Responsibility
General informational content on this site is not presented as individualized legal, tax, or financial advice.
Continuous Improvement
Content and tools are reviewed and improved over time as information changes and coverage expands.
Who's behind Proceeds IQ
Proceeds IQ is developed and maintained with a focus on real estate transaction calculations and state-specific closing cost research.
Explore Proceeds IQ
Calculators
Explore Proceeds IQ's real estate calculation tools, including state-specific seller net proceeds calculators.
Browse calculators →Real Estate Guides
Educational content covering selling costs, closing expenses, commissions, taxes, mortgages, and related topics.
Read the guides →State Resources
State-specific real estate transaction information, built out progressively across U.S. states.
View state resources →Have a question, or found something that needs updating?
You can contact Proceeds IQ with questions, report a possible error, flag outdated information, or suggest a correction. State and local real estate costs change, and user feedback is part of how we keep information current.
A note on our calculations. Figures produced by Proceeds IQ's calculators are estimates, not guarantees. Actual closing costs can vary, rates and fees can change, local practices can differ, commission arrangements vary by agent and brokerage, and transaction-specific circumstances can affect the final numbers. Mortgage payoff figures shown in a calculator are estimates and should be verified directly with your lender, and an actual closing statement may differ from a calculator's output. Users should verify important figures with appropriate professionals or official sources before making financial decisions.
The general information on this site is not individualized legal, tax, or financial advice. See our full Disclaimer for details.