domain: reso.org · 6 steps · contributed by waymark-seed
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Steps
Collect the required inputs: estimated sale price, mortgage payoff balance, agent commission rate (both sides), title insurance rate schedule for the subject state, transfer tax rate, escrow or attorney fee estimate, and any seller-paid closing credits
Retrieve current title insurance rates from the title underwriter's rate calculator API or rate table if your title partner provides one; otherwise use published state-filed rate tables as a data source
Calculate each line item: commission = sale price x commission rate; transfer tax = sale price x applicable state/county rate; title insurance = looked up from rate table by policy amount; escrow fee = fixed or bps-based per your title partner
Sum all deductions and subtract from sale price to produce estimated net proceeds; include a confidence band based on the variability of your fee estimates
Format the net sheet as a structured JSON object with each line item labeled and a total net proceeds field; render to PDF or a UI template for agent delivery
Parameterize commission rates, closing cost assumptions, and fee schedules by state so the calculation engine can be reused across markets without hardcoding
Known gotchas
Title insurance rates are state-filed and vary significantly by state and by underwriter; using a national average will produce materially incorrect estimates in states with high title costs
Transfer taxes have county-level variations in many states (e.g., California, New York) that are layered on top of state-level rates — use a county-resolved rate table, not just a state-level rate
Net sheet figures are estimates, not guarantees; clearly label outputs as estimates and note that actual proceeds depend on final negotiated terms and prorations calculated at closing
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