What are my net proceeds if I sell my Temecula home today? Your net proceeds are the amount you take home after paying off your mortgage, commissions, escrow and title fees, transfer taxes, prorations, and any negotiated buyer credits. In Temecula, most sellers’ total transaction costs (excluding loan payoff) fall between approximately 5%–8% of the sale price.
Step 1: Estimated Sale Price Based on recent closed comps, pending activity, active competition, school-zone alignment, condition tier, and absorption rate.
Step 2: Subtract Mortgage Payoff Remaining principal + accrued daily interest + payoff-related fees.
Step 3: Commission Varies by agreement. Covers listing representation, buyer agent compensation, marketing and negotiation execution.
Step 4: Escrow, Title & Transfer Tax (Riverside County) Owner’s title insurance, portion of escrow fees, Riverside County transfer tax ($1.10 per $1,000 of sale price). On $900K sale: transfer tax ≈ $990.
Step 5: Property Tax Prorations Prorated through closing; may owe or receive a credit depending on timing.
Step 6: Repair Credits or Buyer Concessions Potential inspection repair credits, closing cost assistance, rate buydown contributions, solar loan payoff. Less common in competitive under-$850K tiers when pricing and condition are aligned.
Step 7: HOA and Solar Considerations HOA document and demand fees, dues prorated. Solar loan payoff may be required; lease transfer coordination may be necessary.
Why Net Proceeds Matter More Than List Price “What will I actually take home?” is smarter than “What can I sell for?” Pricing strategy, negotiation strength, and repair planning all influence net.
About Anthony Anselmo REALTOR® Over 200 homes sold, 75 transactions last year totaling more than $55M. Abundance Real Estate serving Temecula, Murrieta, Menifee, Winchester, Meadowview, De Luz, and Temecula Wine Country.