Add up what has to clear. See what is left for you.
Most people know their mortgage balance. Far fewer have added the second lien, the arrears, the unpaid tax, the HOA and anything recorded against the property. Put them all in one place and the picture gets a lot clearer, whichever way it comes out. No address, no home valuation, no email to see the result.
What you think it would sell for
Your own expectation of the price. There is no address box on this page and nothing here estimates what your home is worth.
What has to be paid off
Everything that has to clear before any money reaches you. Fill in what applies and leave the rest at zero.
Ask for a payoff quote, not a balance. A payoff quote is usually higher than the balance on your statement. It adds interest to the day the money arrives, plus recording and wire fees, and it is only good until a stated date. Every servicer will produce one on request, and having the exact figure is what makes the rest of this worksheet reliable.
Beta. Every figure is one you entered, so the arithmetic is checkable line by line. Tell us if anything reads wrong.
The debts first, the price second.
Almost every tool in this category starts with what your home is worth. That is the interesting number, and it is also the one nobody can settle from a web form. So this worksheet starts at the other end, with the side you can know exactly: what is owed. Those figures are on statements you already have, and once they are added up the price question gets much easier to think about.
The lines people miss are consistent. A HELOC that was opened and forgotten. An escrow shortfall folded into a payment. Prior-year property tax on an inherited house. A contractor who was never paid and recorded a lien. None of them are unusual and all of them clear before you see a dollar, which is why they belong on the same page as the mortgage.
When what is owed sits close to the price, the routes out are specific: a lender can approve a short sale, a lienholder will often settle below the face amount, and a buyer who takes the home as-is removes the repair spending that usually makes it tighter. Every one of them works better with time, which is the real reason to add this up early.
Before you type anything in.
What does this worksheet work out?
What would be left for you once everything that has to clear at closing has cleared. You enter the price you are working from and each thing that has to be paid off. It appears on screen as you type, and none of it requires your email.
Why ask for a payoff quote instead of my balance?
Because a payoff quote is usually higher than the balance on your statement. It adds interest to the day the money actually arrives, plus recording and wire fees, and it is only good until a stated date. Every servicer will produce one on request, and having the exact figure is what makes the rest of this reliable.
What counts as a lien?
Anything recorded against the property that has to be satisfied before title transfers: a contractor who was never paid, a judgment, unpaid property or income tax, a solar loan, a PACE assessment. A title search finds all of them whether or not you know about them, so it is better to find them now.
Why is commission left out?
Because quoting a rate on your agent’s behalf is theirs to do, not ours. This worksheet answers whether a sale clears the debts, which is a question you can settle exactly. The net sheet answers what a sale nets after costs, and it runs on your address.
What if the numbers come out short?
That is a situation with well-worn routes out rather than a dead end. A lender can approve a short sale. A lienholder will often settle for less than the face amount, particularly an older one. A cash buyer who takes the home as-is removes the repair spending that usually makes a tight position tighter. All of them work better with time, which is why an early conversation is worth so much more than a late one.
Does Zoom Casa buy homes with liens on them?
Situations with liens, arrears and multiple payoffs are ordinary in this business and are worked through routinely. What decides it is who holds each line and how old it is, which is exactly the kind of thing worth putting in front of somebody rather than guessing at.
Do I have to enter my address?
There is no address box on this page and there is not going to be one. The worksheet runs entirely on figures you read off your own statements.
The other side of the arithmetic.
See what a Zoom Casa sale would net you · What waiting costs · Read an offer you are already holding · everything else in Resources
This worksheet performs arithmetic on figures you enter. It is not an appraisal, a title search, a payoff quote, legal advice, tax advice, or a recommendation about any offer. Confirm every payoff figure with the party that holds it. Net-sheet previews are illustrative; final offer terms are issued in writing on a term sheet. Program availability varies by state. Past results don't guarantee future outcomes — not all properties qualify.