Build your net sheet

A useful net sheet connects each deduction to an actual document. Start with a sale-price scenario, then add negotiated compensation, buyer credits, settlement expenses and the lender’s payoff. Keep preparation spending outside closing separate so it does not disappear from your overall budget. This collection walks through the arithmetic and the decisions behind it. Change one assumption at a time, save competing offers as separate scenarios, and ask the closing professional to explain every line you cannot reconcile.

Choose the decision you need the worksheet to support before filling every field. You may be comparing offers, deciding whether to authorize preparation work or planning the cash needed for a move. Save each scenario with its assumptions and identify which inputs are confirmed. When a credit or closing date changes, update the affected entries and keep the older version for comparison. The guides here show the arithmetic, the documents to request and the limits of each method. Use the checklist for progress rather than as a document archive. Do not place account numbers or private records in the browser tools; they only need your planning amounts.