BTHE BARATELLI INSTITUTE · Mentoring at Scale
FOR HOMEOWNERS & THE REALTORS WHO ADVISE THEM

Everything you need to know before listing — in one report.

Net proceeds, capital-gains analysis (§121), mortgage payoff, move-up math, and recommendation. Fill in the eight numbers below; the report builds itself. Print or save as PDF and you're ready for the listing meeting.

Important — please read before using this tool
Estimates only. This is NOT a Loan Estimate, listing agreement, legal advice, tax advice, or financial advice. For educational use. Actual sale price, commission, taxes, and closing costs vary by market, listing agreement, lender, attorney, and your individual circumstances. Confirm all figures with your licensed real-estate broker, attorney, lender, and CPA before relying on any number here for a listing or sale decision. Past appreciation rates are not predictive of future returns. The Baratelli Institute is an independent third-party publisher; we do not list, broker, or transact in real estate.

Tell us about the home and the sale

All inputs stay in your browser — nothing is transmitted or stored. Edit any field to update the report instantly.

The home
Best estimate from CMA or recent comps.
What you paid.
Kitchen reno, addition, new roof, HVAC. Raises basis, lowers gain.
The current mortgage
Payoff statement number.
Annual % — used for prepayment-penalty check.
Lender refunds at closing if positive.
Sale costs
Post-NAR settlement (Aug 2024): listing-side commission and buyer-agent commission are now negotiated separately. The "5.5%" combined default reflects pre-settlement convention; under the new rules, the buyer-agent piece is increasingly an optional concession from seller, not a baked-in cost. Edit to reflect your listing agreement.
Drives state-specific transfer tax, doc stamps, and attorney-state line items.
Closing-cost credits, repair credits, rate buy-down.
Adjusted automatically by state above. Edit to override.
Tax position
Primary residence: §121 exclusion available. Investment: §121 doesn't apply, §1031 like-kind exchange becomes available, §1250 depreciation recapture at 25%.
§121 exclusion: $250K single / $500K MFJ.
§121 ownership/use test: 2 of last 5 years.
§121(c) allows a prorated exclusion if <2 years met but a qualifying reason applies. Treas. Reg. § 1.121-3.
FL/TX/NV/WA/TN/SD = 0%. CA = up to 13.3%. NY = up to 10.9%.
Move-up plans (optional)
RESIDENTIAL SALE REPORT
Sale of your home — full analysis
Generated · All figures rounded to the nearest dollar

Your scenario

The numbers below were generated from these inputs. Change any variable above and the report rebuilds automatically.

The headline numbers

Cash to seller at closing
$0
Net wire amount
Total transaction costs
$0
All-in sale costs
Capital gains tax owed
$0
Federal + state, after §121
After-tax proceeds
$0
Cash − tax owed

Net proceeds — the waterfall

From sale price down to the wire transfer. Every dollar accounted for.

Capital gains — §121 home-sale exclusion

The federal $250K (single) / $500K (married filing jointly) exclusion on gain from a primary residence — the most valuable tax break most homeowners get.

Mortgage payoff detail

The exact wire to the lender, with escrow refund and prepayment treatment.

Move-up math — funding the next home

Whether the cash from this sale supports the new home down payment, closing, and reserves.

Considerations to discuss with your advisor

The math points the discussion in a direction. Your licensed broker, attorney, and CPA convert it into an action plan. Bring this report to that meeting.

Discussion points

⌂ Equal Housing Opportunity. The Baratelli Institute supports the principles of the Federal Fair Housing Law and the Equal Credit Opportunity Act. Real estate professionals advertising or referencing this report are required to comply with the Fair Housing Act and applicable state real estate advertising regulations.

Educational tool — not advice. This is a decision-support tool. It is not a tax opinion, an offer to broker your home, or a market valuation. §121 exclusion outcomes depend on your full return and ownership/use facts — confirm with a CPA. Closing-cost estimates use state-typical assumptions; your actual closing statement will vary by title agent, attorney, lender, and county. Capital gains math assumes federal long-term rates with state add-on; AMT, NIIT, and SALT-cap interaction are not modeled.

Educational references and tools — not legal, tax, accounting, or investment advice, and not a recommendation to buy or sell any security. Consult a qualified professional about your specific situation. © 2026 The Baratelli Institute.