Seller net proceeds
What will you take home from the sale?
Sale price less the mortgage, commission, the lawyer and the move. The answer is the cheque you can expect on closing day.
Breaking a mortgage early can cost a penalty. Your lender will quote it.
Commission is negotiable. Ask Natalia what she charges.
Property tax or utilities owed at closing. Use a minus sign if the buyer owes you.
Estimated cheque at closing
$845,955
| Commission | $45,000 |
|---|---|
| HST on commission | $5,850 |
| Lawyer | $1,500 |
| HST on the lawyer | $195 |
| Moving | $1,500 |
Commission split: $22,500 to the listing brokerage, $22,500 to the buyer's brokerage.
Commission is negotiable. These defaults are a starting point, not Natalia's fee.
An estimate to plan with, not advice. Your lender, lawyer and accountant have the final word.
Want Natalia to check these numbers?
She will look at your home, the sales around it, and what you owe, and tell you what she thinks you would really walk away with. No obligation.
Rates and rules last checked October 19, 2026.
Guides
What does it cost to sell a home in Durham Region in 2026?
Commission, HST, the lawyer, your mortgage and the move: what selling a $650,000 or $900,000 Durham home costs, and what you take home on closing day.
Downsizing in Durham: how to sell the family home and move to something smaller
How downsizing works in Durham Region: what selling a $900,000 family home and buying a $600,000 condo or bungalow costs, the timing, and the choices.