Cash offer vs listing: editable net-proceeds worksheet

Cash offer vs listing: editable net-proceeds worksheet

Enter your own assumptions in every field, including 0 where a cost does not apply. There are no default price, commission or tax estimates. The result is a planning calculation, not a valuation, quote or settlement statement.

Formula: cash net = offer − seller costs − monthly carrying costs × cash months − payoffs. Listing net = sale price − seller closing costs − sale price × commission percentage − repairs/preparation − monthly carrying costs × listing months − payoffs.

Other seller costs can include seller-paid title/escrow charges, taxes, concessions, credits and obligations not entered elsewhere. Use an estimated settlement statement. Avoid double-counting commission, repairs or payoffs. Carrying costs should include non-principal costs such as interest, insurance, utilities, dues and maintenance; coordinate mortgage principal changes with your payoff estimate. This simplified comparison uses one payoff amount for both scenarios; update it as timing changes. Unknown costs should be researched, not treated as free.

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