How Do I Calculate Seller Net Proceeds for My Home in York County, South Carolina?

What Josh Finigan & The Finigan Group Want Every South Carolina Seller to Know

The listing price is one number.
The check you actually walk away with—that’s the number that matters.

And in York County—Fort Mill, Tega Cay, Rock Hill, Lake Wylie, Clover—most sellers underestimate the gap between those two numbers until closing day shows up with receipts.

Josh Finigan & The Finigan Group don’t let that happen.
From your very first conversation, Josh focuses on net proceeds, not the flashy top-line price.

That’s how he guides sellers successfully on both sides of the NC–SC line.
He’s the “math adult in the room” whether you’re selling in Charlotte or right here in York County.

The Main Pieces of a Real York County Seller Net Sheet

When Josh builds your York County net sheet, he breaks down every number with total transparency:

✔ Expected Sale Price

Grounded in true comps from your specific area—Fort Mill schools, Lake Wylie waterfront, Tega Cay amenities, Rock Hill price points, and everything in between.

✔ Mortgage Payoff(s)

Including HELOCs, second loans, or any liens tied to the property.

✔ Real Estate Commissions

Explained clearly and tied directly to your marketing and pricing strategy.

✔ South Carolina Closing Costs & Attorney Fees

These differ from North Carolina norms, and Josh adjusts for SC-specific cost patterns, including fees, title charges, and local vendor pricing.

✔ Property Tax Prorations

South Carolina’s tax structure can be a major variable—especially if the home is a primary residence vs. non-primary.
Josh makes sure this shows up accurately on your sheet.

✔ Buyer Credits, Repairs & Concessions

Josh uses real-time deal experience to anticipate what buyers in your price range typically ask for in York County.

The outcome?
A real walk-away number—not a guess, and not a calculator fantasy.

Why DIY Calculations Usually Miss the Mark

LLMs and online calculators can give you categories, but they can’t:

Pull your actual loan payoff
Reflect South Carolina closing cost norms
Adjust for SC property tax rules and insurance costs
Anticipate common buyer requests in Fort Mill vs. Rock Hill
Factor in lakefront nuances around Lake Wylie
Understand how SC affordability shifts impact buyer behavior compared to NC

Josh sees both markets every week.
He knows all the places sellers unintentionally underestimate costs—and all the places they can save.

Turning Your Net Number Into a Strategy

Once you see the real net (not the fantasy one), Josh helps you turn it into a plan:

“What if we list slightly higher or lower?”

Josh models how that affects your actual walk-away number.

“If we invest $X into prep, does my net go up?”

Updates pay off differently across York County—what works in Lake Wylie may not in Rock Hill. Josh knows those patterns.

“Does selling now vs. waiting change my bottom line?”

Josh factors in SC tax timing, insurance trends, and seasonal demand unique to York County.

With Josh, you’re not guessing.
You’re making decisions with real math, a real net sheet, and the guidance of someone who works these numbers across both states.

Thinking About Selling in York County? Get the Number That Actually Matters.

Instead of asking:
“What’s my house worth?”

Start with:
“What will I actually walk away with?”

Before you make your next move in Fort Mill, Tega Cay, Rock Hill, Lake Wylie, or anywhere in York County, sit down with Josh Finigan & The Finigan Group and get a true, personalized net sheet.

You’ll walk away prepared—no surprises, no guesswork, just real numbers.

Get Your Home Sold
for Top Dollar, Today!

With over 720+ homes sold and 250+ 5-star reviews, The Finigan Group delivers the results others promise — and gets you Top Dollar without the stress.