The short version: sale price is not what you pocket. Mortgage, optional bond payoff, agreed commission, title costs and prorations all come out first. Use the worksheet below for a planning estimate, then get a real CMA and a written net sheet for your address.
Seller net proceeds worksheet
Numbers are yours to edit. Defaults are placeholders for planning only. Commission is negotiable. Closing costs vary by title company and contract. This is not a quote, a HUD-1, or tax advice.
Estimate what you walk away with
Enter your expected sale price and payoffs. The result updates as you type.
Estimate only. Does not include taxes, HOA estoppels, repair credits after inspection, or prorations. Confirm bond balance on the district records. Commission must be agreed in writing.
What usually comes out of a Villages-area sale
- Mortgage payoff from your lender’s good-through figure
- Bond only if you choose to pay it off (often it transfers)
- Commission as written in your listing agreement
- Title / closing fees, documentary stamps where applicable, and agreed credits
- Prorations for taxes, amenity fee, and HOA or CDD items on the closing statement
Still unsure about the bond piece? Read the bond guide or use the monthly cost calculator.
Want the real net for your address?
I will pull comps, your likely buyer pool, and a written net sheet you can take to a decision. Start with a free valuation, then we tighten the numbers.
Get a free home value → How I sell homes here
Common questions
What is a seller net sheet?
It estimates what you walk away with after payoffs, agreed commission, title costs and credits. It is not the final closing statement.
Should I pay off The Villages bond before selling?
Usually not. Buyers often price the remaining bond into the offer. Run both scenarios above and confirm your actual balance.
Is commission fixed?
No. It is negotiated in writing before you sign. Enter a model percent above, then talk through the real number on a call.