卖房到手净额计算器（Seller Net Sheet）Seller net sheet calculator
逐项算：佣金、卖家补贴、维修、escrow/产权、转让税、FIRPTA 与加州预扣。Line by line: commission, credits, repairs, escrow/title, transfer tax, FIRPTA and California withholding.
简答：卖房到手净额 ≈ 成交价 − 贷款结清（含 HELOC）− 经纪佣金（可协商）− 给买方的卖家补贴 − 维修 − escrow/产权/其他费用 − 县转让税（圣地亚哥县和河滨县约每 $1,000 $1.10）± 地税/HOA 分摊。外国卖家的 FIRPTA（一般 15%）和加州 Form 593（3⅓%）是过户时预扣，不是最终税额。估算，仅供参考，以 escrow 实际结算为准。Short answer: net ≈ sale price − mortgage payoff (incl. HELOC) − commission (negotiable) − seller credits − repairs − escrow/title/other fees − county transfer tax (about $1.10 per $1,000 in San Diego and Riverside counties) ± tax/HOA prorations. FIRPTA (generally 15%) and California Form 593 (3⅓%) are withholding at closing, not the final tax. Estimate only — escrow’s final settlement statement controls.
外国卖家 / 加州预扣（选填，过户时预扣，不是最终税）Foreign seller / California withholding (optional — withheld at closing, not the final tax)
估算，仅供参考，以 escrow 实际结算为准。Estimate only — escrow’s final settlement statement controls. 所有数字由您输入，计算只在您的浏览器里进行，不会上传或保存；不是房屋估值、税务意见或结果承诺。转让税按每 $500 或零头计算（RTC §11911）。All numbers are yours; the math runs only in your browser and nothing is uploaded or saved. Not a valuation, tax advice or a promise of results. Transfer tax is computed per $500 or fraction (RTC §11911).
净额怎么算：逐项说明How the net sheet works, line by line
- 贷款结清：向贷款机构申请 payoff demand（含截至过户日的利息、HELOC 和可能的费用），以它为准。Payoff: request a payoff demand from your lender (interest to closing, HELOC, any fees) — that number controls.
- 佣金：加州法律不规定比例，可协商（B&P §10147.5）；是否给买方经纪报酬、给多少也单独协商。本页不预设任何比例。Commission: not fixed by law and negotiable (B&P §10147.5); buyer-broker compensation is a separate decision. This page assumes no rate.
- Escrow / 产权：由谁付按买卖合同约定，金额请向 escrow 和产权公司索取报价，可选填金额或售价百分比。Escrow/title: who pays is set by the purchase contract; get quotes from escrow and title, and enter an amount or a percent of price.
- 转让税：按每 $500 或零头 $0.55 计（≈ $1.10/$1,000）；已登记且由买方承接的贷款部分不计。Transfer tax: $0.55 per $500 or fraction (≈ $1.10/$1,000), excluding liens of record assumed by the buyer.
- FIRPTA / Form 593：这是过户时从卖家款项中预扣、交给 IRS / FTB 的金额，报税时多退少补，不是最终税额。详见海外卖房指南和费用和税。FIRPTA / Form 593: amounts withheld from your proceeds at closing and sent to the IRS/FTB, reconciled when you file — not the final tax. See the overseas guide and costs & taxes.
转让税（Documentary Transfer Tax）官方税率Official documentary transfer tax rates
| 地点Location | 县税County | 城市税City | 合计约Total |
|---|---|---|---|
| 圣地亚哥县各市与非建制区（含 City of San Diego）All of San Diego County incl. the City of San Diego | $0.55 / $500 | City of San Diego 征 $0.275/$500，但可抵县税（RTC §11931），合计不变City of San Diego levies $0.275/$500, credited against the county tax (RTC §11931) — total unchanged | ≈ $1.10 / $1,000 |
| 河滨县（Temecula、Murrieta、Menifee 等）Riverside County (Temecula, Murrieta, Menifee, etc.) | $0.55 / $500 | — | ≈ $1.10 / $1,000 |
| City of Riverside 市内Within the City of Riverside | 合计 $1.10 / $500$1.10 / $500 total | 计算器"城市"一栏填 1.10enter 1.10 in the city line | ≈ $2.20 / $1,000 |
示例：成交价 $1,000,000 → 1,000,000 ÷ 500 = 2,000 × $0.55 = $1,100（圣地亚哥县或河滨县）。其他县市请向 escrow 确认。Example: $1,000,000 → 1,000,000 ÷ 500 = 2,000 × $0.55 = $1,100 (San Diego or Riverside County). Confirm other cities with escrow.
常见问题FAQ
卖房到手净额怎么算？How are seller net proceeds calculated?
简答：净额 ≈ 成交价 − 贷款结清 − 佣金 − 卖家补贴 − 维修 − escrow/产权/其他费用 − 转让税 ± 地税/HOA 分摊。外国卖家的 FIRPTA 和加州 Form 593 预扣在过户时从款项中扣下，报税后多退少补。估算，仅供参考，以 escrow 实际结算为准。Short answer: net ≈ price − payoff − commission − credits − repairs − escrow/title/other − transfer tax ± prorations. FIRPTA and California Form 593 withholding comes out at closing and is reconciled when you file. Estimates only; escrow’s final statement controls.
官方/参考来源：Official sources: San Diego County Assessor/Recorder/County Clerk – Recording & Documentary Transfer Tax · IRS – FIRPTA withholding · FTB – 2026 Instructions for Form 593 (Real Estate Withholding)
圣地亚哥卖房转让税是多少？谁付？What is the transfer tax in San Diego, and who pays?
简答：圣地亚哥县按每 $500 或零头 $0.55 征收（约每 $1,000 $1.10）。City of San Diego 的城市税 $0.275/$500 可抵县税，所以合计不变。谁付按买卖合同约定，向 escrow 确认。Short answer: San Diego County charges $0.55 per $500 or fraction (about $1.10 per $1,000). The City of San Diego’s $0.275/$500 is credited against the county tax, so the total is unchanged. Who pays is set by the contract — confirm with escrow.
官方/参考来源：Official sources: San Diego County Assessor/Recorder/County Clerk – Recording & Documentary Transfer Tax · Revenue & Taxation Code §11911 (documentary transfer tax: $0.55 per $500) · Revenue & Taxation Code §11931 (city tax credited against county tax) · City of San Diego Municipal Code Ch. 3 Art. 7 Div. 1 (§37.0102 real property transfer tax)
Temecula / Murrieta 卖房转让税一样吗？Is the transfer tax the same in Temecula/Murrieta?
简答：河滨县同样是每 $500 $0.55；只有 City of Riverside 市内为每 $500 $1.10（约 $2.20/$1,000）。Short answer: Riverside County is also $0.55 per $500; only the City of Riverside is $1.10 per $500 (about $2.20 per $1,000).
官方/参考来源：Official sources: Riverside County Assessor-County Clerk-Recorder – Recording requirements (DTT; City of Riverside rate)
计算器为什么不预设佣金比例？Why doesn’t the calculator assume a commission rate?
简答：加州法律不规定佣金比例，由经纪人设定并可与卖家协商（B&P §10147.5）；买方经纪报酬也单独协商。请按您签的协议填写。Short answer: California law does not fix commissions; they are set by each broker and negotiable (B&P §10147.5), and buyer-broker compensation is separate. Enter what your agreement says.
官方/参考来源：Official sources: Business & Professions Code §10147.5 (commissions not fixed by law; negotiable)
FIRPTA 15% 会被全部扣走吗？Will 15% FIRPTA always be withheld?
简答：外国卖家一般按成交额 15% 预扣；买方把房子作自住、成交价 ≤ $30万 可为 0，$30万–$100万 为 10%；也可以用 Form 8288-B 申请按实际税额减少预扣。详见海外卖房指南。Short answer: generally 15% of the amount realized for foreign sellers; 0% if the buyer will live in it and the price is ≤ $300K, 10% from $300K to $1M; Form 8288-B can request a reduced amount. See the overseas guide.
官方/参考来源：Official sources: IRS – FIRPTA withholding · IRS – Exceptions from FIRPTA withholding · IRS – About Form 8288-B (FIRPTA withholding certificate)
官方/参考来源：Official sources: San Diego County Assessor/Recorder/County Clerk – Recording & Documentary Transfer Tax · Revenue & Taxation Code §11911 (documentary transfer tax: $0.55 per $500) · Revenue & Taxation Code §11931 (city tax credited against county tax) · City of San Diego Municipal Code Ch. 3 Art. 7 Div. 1 (§37.0102 real property transfer tax) · Riverside County Assessor-County Clerk-Recorder – Recording requirements (DTT; City of Riverside rate) · Business & Professions Code §10147.5 (commissions not fixed by law; negotiable) · IRS – FIRPTA withholding · IRS – Exceptions from FIRPTA withholding · FTB – 2026 Instructions for Form 593 (Real Estate Withholding)
免责声明：本页为一般信息，不构成法律、税务或财务建议；不对任何房价、成交时间或结果作承诺。税务问题请咨询 CPA，法律问题请咨询律师，费用以 escrow/产权公司实际结算为准。Disclaimer: general information only — not legal, tax or financial advice, and no promise of any price, timing or outcome. Ask a CPA about taxes and an attorney about legal questions; actual costs are set by escrow/title at closing. Alice Zou · 加州房地产经纪人California Real Estate Broker DRE# 02036463 · America Home Realty & Investment Broker #1527469 · MLO NMLS# 2664031 · 平等住房机会。Equal Housing Opportunity.
更新于Updated 2026-10-31 · 官方来源核对于 2026-10-31Official sources checked 2026-10-31
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