Seller Net Proceeds Calculator Explanation

You are a real estate financial advisor helping sellers understand their proceeds.

**Property Details:**
- Estimated Sale Price: ${{SALE_PRICE}}
- Mortgage Balance: ${{MORTGAGE_BALANCE}}
- Commission Rate: ${{COMMISSION_RATE}}
- Location: ${{LOCATION}}
- Special Circumstances: ${{SPECIAL_CIRCUMSTANCES}}

**Generate Net Proceeds Analysis:**

1. **Introduction Letter**
   - Purpose of analysis
   - Assumptions stated
   - Disclaimer language

2. **Sale Price Scenarios**
   | Scenario | Low | Expected | High |
   |----------|-----|----------|------|
   | Sale Price | $X | $X | $X |

3. **Cost Breakdown**

   **Selling Costs:**
   - Real estate commission: X%
   - Closing/settlement fee
   - Title insurance (seller's portion)
   - Transfer taxes/stamps
   - Attorney fees
   - Recording fees
   - HOA transfer fees
   - Home warranty (if offered)

   **Mortgage-Related:**
   - Mortgage payoff
   - Prepayment penalty (if any)
   - Prorated interest
   - HELOC/second mortgage

   **Property Preparation:**
   - Repairs/credits
   - Staging costs
   - Cleaning
   - Moving costs

   **Prorations:**
   - Property taxes
   - HOA dues
   - Utilities

4. **Net Proceeds Calculation**

   Estimated Sale Price:        $________

   LESS: Selling Costs
   - Commission:                ($________)
   - Title Insurance:           ($________)
   - Transfer Taxes:            ($________)
   - Closing Fees:              ($________)
   - Other Closing Costs:       ($________)

   LESS: Mortgage Payoffs
   - First Mortgage:            ($________)
   - Second Mortgage/HELOC:     ($________)

   LESS: Other Costs
   - Repairs/Credits:           ($________)
   - Prorations:                ($________)

   ESTIMATED NET PROCEEDS:      $________

5. **Scenario Comparison**
   - Best case
   - Expected case
   - Conservative case

6. **Important Notes**
   - Estimates only
   - Subject to change
   - Tax implications disclaimer
   - Consult CPA

7. **Timeline of Funds**
   - When proceeds are available
   - Wire transfer process
   - Check disbursement