Calculating Your Net Proceeds When Selling a North Valley Home
Your sale price and the check you walk away with are two very different numbers. For Anthem, Cave Creek, and North Scottsdale sellers, knowing your net proceeds early changes how you price, negotiate, and read an offer. Below is what can come out of a sale in Arizona, named honestly, without invented dollar figures.
Your sale price is not your payday. This is.
The figure that actually matters is your net proceeds: what is left after every cost of selling comes out of your sale price. Knowing that number early changes how you price, how you negotiate, and whether a given offer is really as strong as it looks. Below is what can come out of a sale in Arizona. We are going to name all of it. We are not going to put numbers to it here on purpose, because a real figure depends on your specific home, your loan, and the deal you strike. For that, you get a true estimate from me and from each party involved.
Costs that commonly come out of a sale
Mortgage payoff, plus any second loan, HELOC, or lien against the home.
Title and escrow: owner's title insurance, escrow/settlement fees, recording fees, courier and wire fees.
Real estate commissions, including any buyer's-agent compensation you agree to.
Buyer concessions: closing-cost help or credits you agree to in negotiation.
Property tax prorations: your share of taxes for the time you owned the home this period.
HOA items: transfer fees, disclosure/document fees, and any capital or reserve contributions.
Inspections and transfers specific to the property: septic inspection, repair, and transfer; well inspection, share agreements, and transfer; pool or spa.
Solar: payoff or lease/PPA transfer, which is common here and can affect your bottom line and your buyer pool.
Expected buyer-requested repairs negotiated after inspection.
Optional but common: a home warranty for the buyer, pre-listing inspection, staging, and marketing costs.
Possible tax considerations, including capital gains, which you confirm with your CPA.
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Do not commit real money to any of these without a true estimate first
Some of these costs are negotiable, some are avoidable, and some are far smaller than sellers fear. The mistake is guessing, or worse, agreeing to something in a contract before you know what it does to your net. Before you accept an offer or sign off on a credit or repair, run it by me. I will show you the real effect on your bottom line, and I will connect you with the title officer or vendor for exact figures on their piece.
*General information, not legal or tax advice. Confirm tax questions with your CPA.*
Get a real net sheet for your home
When you want a real net figure for your home rather than a general list, I will build you an accurate seller's net sheet at no cost. https://azhomesearchcentral.com/contact?utm_source=sell_guide&utm_medium=bpo or call or text (623) 826-0888.
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Written by
Jon Hegreness
REALTOR / Associate Broker, Howe Realty. AZ License BR540940000. 24 years in Phoenix Valley residential real estate.
I am a full-time Valley associate broker, not a call center. If anything here raised a question about your own move, ask me and you get a straight answer from the person who wrote this, every time.
Common questions
- What costs do Arizona sellers pay at closing?
- Common items include mortgage payoff, title and escrow fees, commissions, tax prorations, HOA transfer fees, and any buyer credits or repairs you agree to. Solar payoff or lease transfer and septic or well transfer costs apply on some North Valley properties.
- Does the buyer or seller pay title insurance in Arizona?
- Custom varies, but sellers often pay for the owner's title policy in Arizona transactions. Your net sheet should show every line item so nothing surprises you at the signing table.
- How does a solar lease affect my net proceeds?
- You may need to pay off a loan, transfer a lease, or buy out a power-purchase agreement. That can change both your net and which buyers can qualify. Run the real numbers before you price or accept an offer.
- Can Jon prepare a seller net sheet for my specific home?
- Yes. I build seller net sheets at no cost so you can compare offers and prep decisions on facts, not guesses. Request one through the contact form or call (623) 826-0888.
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