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New Member
posted Jun 4, 2019 1:51:51 PM

What are net proceeds from sale of second home

I have only closing disclosure with all the numbers including mortgage payoff.

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1 Best answer
Expert Alumni
Jun 4, 2019 1:51:52 PM

The net proceeds would be the gross proceeds less any deductible expenses associated with the sale. Sales proceeds are usually reported on a Form 1099-S or on an escrow or settlement statement. 

Sales expenses are generally listed in the seller's column of your settlement statement and include:

  • Commissions
  • Appraisal fees
  • Broker's fees
  • Legal fees
  • Advertising fees
  • Home inspection reports
  • Title insurance
  • Transfer taxes or fees
  • Geological surveys
  • Loan charges (points) or other fees paid on the buyer's behalf

Note that sales expenses do not include:

  • Mortgage payoffs
  • Home equity loan payoffs
  • Rent-back costs
  • Payoff to creditors
  • Property taxes
  • Homeowner association (HOA) fees

3 Replies
Expert Alumni
Jun 4, 2019 1:51:52 PM

The net proceeds would be the gross proceeds less any deductible expenses associated with the sale. Sales proceeds are usually reported on a Form 1099-S or on an escrow or settlement statement. 

Sales expenses are generally listed in the seller's column of your settlement statement and include:

  • Commissions
  • Appraisal fees
  • Broker's fees
  • Legal fees
  • Advertising fees
  • Home inspection reports
  • Title insurance
  • Transfer taxes or fees
  • Geological surveys
  • Loan charges (points) or other fees paid on the buyer's behalf

Note that sales expenses do not include:

  • Mortgage payoffs
  • Home equity loan payoffs
  • Rent-back costs
  • Payoff to creditors
  • Property taxes
  • Homeowner association (HOA) fees

New Member
Apr 25, 2020 10:46:43 AM

Does the net proceeds take into account what you originally paid for the property? How do you show if you had a loss?

Level 15
Apr 25, 2020 10:55:37 AM

On the return you will enter the sales price on the form 1099-S  and the cost basis of the home (mortgage payoffs have NOTHING to do with a profit or loss).

 

Cost basis of the home includes : 

Original purchase price of the home + the closing costs  +

Closing costs for selling the home ( do NOT include mortgage payoffs)  +

Any improvements you made while you owned the home ( like roof replacements) -

Any casualty losses +

Any other costs not already mentioned.