# Coquitlam Seller Net Proceeds Calculator > Free Coquitlam seller net proceeds calculator for 2026. **Source:** https://soldbycraig.ca/coquitlam-seller-net-proceeds-calculator/ **Author:** Craig Johnston, REALTOR® (BC Licence V99960) · The MACNABS · Royal LePage Elite West **Site:** https://soldbycraig.ca --- Free calculator · seller net · 2026 ## What you actually pocket when your home sells. Sellers focus on the sale price; what matters is the NET. Realtor commission (negotiable), GST on commission, mortgage payout, legal/notary, discharge fees, and property tax adjustment all come out before you get your wire. This calculator runs the math live as you adjust the inputs. Your sale Expected sale price $ Mortgage balance remaining $ Realtor commission % (negotiable) 5.00% Mortgage prepayment penalty (estimate) $ If you're breaking a fixed mortgage early. Verify the exact penalty with your lender. Your net proceeds Wired to you at closing $1,099,650 ≈ 59.4% of sale price Sale price$1,850,000 Less deductions: Mortgage payout$650,000 Realtor commission (5.00%)$92,500 GST on commission$4,625 Legal/notary$1,500 Mortgage discharge fee$350 Prepayment penalty$0 Property tax adjustment-$500 [Get my comp-backed Equity Map →](/home-evaluation/) ## How this calculation works. The two biggest deductions from your sale price are mortgage payout and realtor commission. Commission is negotiable — different listing structures deliver different commission rates with different marketing and service levels. GST applies to the commission (5% on top of the commission amount). Standard line items add up to about $2,500 (legal/notary $1,200–$2,500, mortgage discharge $250–$400, property tax adjustment typically refunds you a few hundred dollars). If you're breaking a fixed-rate mortgage early, the prepayment penalty can be significant — verify the exact amount with your lender. For a $1,649,000 Coquitlam detached at the June 2026 GVR® benchmark, with a typical 5% commission and a $650K mortgage payout, you'd net approximately 58–62% of the sale price after deductions. The calculator above runs your specific numbers. Frequently asked ## Common questions about this calculation. Is realtor commission really negotiable? Yes, always. Different listing structures deliver different commission rates with different marketing and service levels. The right structure depends on your home, price tier, and how much marketing you need. Discuss commission options openly during your listing consultation. Does GST apply to realtor commission? Yes, 5% GST on the commission amount. A $92,500 commission on a $1.85M sale has $4,625 GST on top. This is collected from the seller's proceeds at closing. What's a mortgage prepayment penalty? If you have a fixed-rate mortgage and sell before the term ends, your lender charges a penalty for breaking the contract early. Penalties are calculated as the greater of 3 months' interest OR an interest rate differential. Verify the exact penalty with your lender BEFORE listing — penalties on a $650K mortgage can range from $5,000 to $40,000+ depending on rate gap and remaining term. Can I port my mortgage to a new home instead? Often yes — most major lenders allow mortgage porting if you're buying a new home around the same time. This avoids the prepayment penalty. The new property must qualify and the timing windows are usually 30-120 days. Discuss with your lender early in the sell-then-buy sequence. What's a typical property tax adjustment for Coquitlam? Coquitlam property taxes are due July 4th. If you sell in May, you've prepaid Jan-May; the buyer reimburses you for June-Dec (about 7 months credit to you). If you sell in October, you owe the buyer for Jan-Sept they're inheriting. The adjustment varies $200-$1,500 either direction depending on timing. ## Related tools and resources. [Equity Map ### Free Equity Map Comp-backed in 24 hours.](/home-evaluation/) [Closing costs ### Closing Cost Calculator Buyer's side math.](/coquitlam-closing-cost-calculator/) [Seller playbook ### Sell Your Home Plan 7-Step Listing Method.](/sell-your-home/) [Seller's Starter Kit ### Seller's Starter Kit First steps before listing.](/coquitlam-sellers-starter-kit/) Want the real net on YOUR sale? ## The calculator runs the math. The Equity Map runs YOUR math. This calculator uses typical estimates. The free Equity Map is a personally prepared one-page document with your true net, comp-backed using verified MLS sales within 90 days in your specific block radius. 24-hour turnaround. No obligation. [Book a Strategy Call](/book-a-strategy-call-with-craig-johnston/) [Free Equity Map](/home-evaluation/) Tri-Cities monthly ## Get the honest Tri-Cities market read, monthly. June 2026 Coquitlam detached HPI is $1,649,000, -4.8% YoY. What that means for your buy or sell decision — without the salesy fluff. One email per month. Unsubscribe anytime. No spam, no listings flood, no marketing automation games. Genuine monthly update from a 47+ year Tri-Cities resident. Best REALTOR® by area ## A specialist for your specific Tri-Cities city or neighbourhood. [Coquitlam](/best-realtor-in-coquitlam/) [Burke Mountain](/best-realtor-in-burke-mountain/) [Westwood Plateau](/best-realtor-in-westwood-plateau/) [Heritage Mountain](/best-realtor-in-heritage-mountain/) [Port Moody](/best-realtor-in-port-moody/) [Port Coquitlam](/best-realtor-in-port-coquitlam/) [Anmore](/best-realtor-in-anmore/) [Belcarra](/best-realtor-in-belcarra/) [Or compare all Tri-Cities specialists →](/best-local-realtor-tri-cities/) For homeowners Thinking about selling? See the plan that protects your equity. The 7-Step Listing Method, the negotiation philosophy, real recent sales, and 34+ verified Google reviews — the full seller playbook for Coquitlam & the Tri-Cities. [See the Sell-Your-Home Plan →](/sell-your-home/)