Avoid costly surprises
After closing: reconcile proceeds, payoffs and tax records
Confirm what you received, retain the final seller statement and organize the records needed for payoff follow-up and tax advice.
Track the documents and confirmations behind your final net sheet. Saved in this browser only.
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Check a box when you have obtained or confirmed the document, rather than when you have merely requested it. A completed checklist does not certify title, contractual compliance or tax eligibility. Your settlement officer or attorney may require additional documents for your property, ownership structure or state.
Suppose your net sheet still uses last month’s mortgage balance. Leave the payoff item unchecked until the lender supplies a dated payoff and the settlement professional confirms how interest and release charges will be handled. If closing moves, revisit that item. A checkmark is only a reminder, not evidence that the amount remains correct.
Progress is stored locally in this browser when storage is available. It is not sent to a server and will not follow you to another device. Use Reset to clear the saved boxes. Do not enter loan numbers, bank details, Social Security numbers or sensitive documents on this site. Keep your signed records in your own secure storage, and discuss unresolved legal or tax questions with the appropriate licensed professional.
Avoid costly surprises
Confirm what you received, retain the final seller statement and organize the records needed for payoff follow-up and tax advice.
Build your net sheet
Distinguish estimated proceeds from available funds, update date-sensitive inputs and confirm disbursement timing before relying on sale cash.
Avoid costly surprises
Reconcile similar fee names, paid invoices and replaced credits by identifying the obligation and recipient behind every seller deduction.
Avoid costly surprises
Match each selling-cost question to the right primary source and distinguish federal tax guidance, state rules, industry policies and your own contract.
Avoid costly surprises
Review contract amounts, dated payoffs, unexplained deductions and disbursement instructions before relying on your final seller proceeds.
Build your net sheet
Organize ownership, loan, contract, expense and settlement records securely so the professionals handling your sale can resolve missing information.