Free calculator · seller net · 2026
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
If you're breaking a fixed mortgage early. Verify the exact penalty with your lender.
Your net proceeds
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 $1,635,700 Coquitlam detached at the April 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
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.
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.
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.
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.
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.
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.
Tri-Cities monthly
April 2026 Coquitlam detached HPI is $1,635,700, -7.7% YoY. What that means for your buy or sell decision — without the salesy fluff. One email per month. Unsubscribe anytime.
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