Selling in the Fraser Valley

What you’ll walk away withA home sale net proceeds calculator for BC

The number that matters isn’t the sale price. It’s what’s left after the mortgage is paid out and the lawyer’s account is covered. Edit every line; nothing here is fixed.

Your sale

Illustrative figures to start. Replace them with your own and the net sheet follows.

The sale
What you expect the home to sell for. Everything below comes off this number. If you want a real starting point rather than a guess, ask me for a home evaluation.
What you still owe, including any secured line of credit. It is paid out of the sale proceeds on completion. Your lender's payout statement is the exact figure.
Selling costs
Cleaning, paint, small fixes, staging. Whatever you spend to show the home at its best. $3,000 is a placeholder; some homes need nothing.
Conveyancing on the sale side: discharging the mortgage and transferring title. $1,200 is an illustrative BC figure as of Sept 2026; your lawyer or notary will quote the real one.
The lender's fee to close the mortgage. Breaking a fixed term early adds a prepayment penalty that can run to thousands; only your lender can tell you the number, so ask before you list. The box further down gives a rough estimate.
For a townhouse or apartment: the Form B, Form F, minutes, bylaws and financials a buyer will ask for. The strata sets the fee. Leave at zero for a detached home.
Anything else tied to the sale: moving, a property-tax adjustment if you have prepaid, utility final bills.
Breaking your mortgage early?

If the sale completes before your term ends, the lender charges a prepayment penalty on top of the discharge fee. It is the cost sellers most often underestimate. Tick the box for a rough estimate; it writes into the discharge line above.

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Next steps, whichever number you landed on.

A net sheet is a guess until the price is real. I can tell you what your home would list for now and what has moved nearby, and the seller guide walks through what happens between the decision and completion. No obligation attached to any of it.

Free home evaluationSee what sold nearbyThe Seller’s Guide

This calculator is an educational tool, not advice. It is provided by Caroline Jeklin, a licensed REALTOR® with Royal LePage Wolstencroft Realty, for general information and planning only. It is not legal, tax, mortgage or financial advice and it is not a valuation, appraisal or opinion of value: the sale price is a figure you entered, not an estimate of what your home is worth. Caroline is not a mortgage broker, lender or financial adviser.

REALTOR® fees and the 5% GST on them are not included; they are set in your listing agreement, not by a calculator. Any prepayment penalty shown is a rough estimate using the general three-months’-interest and interest-rate-differential methods; lenders calculate differently, and only your lender’s payout statement is exact. Not included: capital gains tax if this is not your principal residence, property-tax and utility adjustments on completion, moving costs, or any other cost specific to your sale. Figures are rounded and accuracy is not guaranteed. Do not rely on this tool to make a financial decision. Checked September 2026. Confirm every figure with your lender and your lawyer or notary before completion, and speak to an accountant about tax.

Caroline Jeklin, REALTOR®, photographed in an arched frame

Your Fraser Valley REALTOR®

The number you walk away with depends on decisions made before the sign goes up.

Pricing against what is actually competing, what to fix and what to leave, when to list, and how to handle subjects and the deposit once an offer is in. I am here to guide you through each of those and answer your questions, and if I do not have the answer, I will find out for you.

Let’s talk it through Free home evaluation

No pressure and no deadline. If the answer is “not yet”, that is a useful answer too. How I sell a home

Reciprocity Logo The data relating to real estate on this website comes in part from the MLS® Reciprocity program of either the Greater Vancouver REALTORS® (GVR), the Fraser Valley Real Estate Board (FVREB) or the Chilliwack and District Real Estate Board (CADREB). Real estate listings held by participating real estate firms are marked with the MLS® logo and detailed information about the listing includes the name of the listing agent. This representation is based in whole or part on data generated by either the GVR, the FVREB or the CADREB which assumes no responsibility for its accuracy. The materials contained on this page may not be reproduced without the express written consent of either the GVR, the FVREB or the CADREB.