Sell + Buy Cash Planner
Ballpark planning tool. Real numbers vary by lender, title/attorney, taxes, timing, and contract terms.
Sell side
Buy side
Down payment
Down payment: $45,000
Optional monthly add-ons (for payment estimate)
Cash surplus / shortfall
$91,750
Cash needed: $58,500 • Available: $150,250
Estimates only • refine closing costs
Net proceeds (sell)
$150,250
Sale $425,000 − payoff $250,000 − commission $21,250 − other $3,500 − concessions $0
New mortgage estimate (buy)
$2,560/mo
P&I $2,560 + taxes $0 + ins $0 + HOA $0
Breakdown
Simple cash-needed model for planning (not an official estimate).
| Item | Amount |
|---|---|
| Sell | $150,250.00 |
| Sale price | $425,000.00 |
| Mortgage payoff / liens | -$250,000.00 |
| Agent commission | -$21,250.00 |
| Other seller costs | -$3,500.00 |
| Concessions / repairs / credits | -$0.00 |
| Buy (cash needed) | $58,500.00 |
| Down payment | $45,000.00 |
| Estimated buyer closing costs (3.00%) | $13,500.00 |
| Other upfront | $0.00 |
| Moving / transition | $0.00 |
| Available cash | $150,250.00 |
| Net proceeds | $150,250.00 |
| Extra cash on hand | $0.00 |
Disclaimer: This is a planning tool. Actual proceeds, closing costs, prorations, escrow requirements, and payment vary by lender, closing date, local practice, and contract terms. Use for ballpark planning only.