# Seller Net Proceeds Estimator AI Agent Connect

> Seller Net Proceeds Estimator MCP gives your AI agent the math tools needed for real estate transactions. It handles the heavy lifting of calculating mortgage payoffs, agent commissions, transfer taxes, and closing costs to show the final cash amount a seller walks away with.

## Overview
- **Category:** finance
- **Price:** Free
- **Endpoint:** https://edge.vinkius.com/vk_preview_kCzPn0FSZJNRJFucVmC0v7JDFePA7PTnr9eq4GxG/ai-agent-connect
- **Tags:** real-estate, net-proceeds, mortgage, commission, tax-calculation

## Description

You can stop manually running numbers through spreadsheets every time a client asks about their bottom line. This MCP gives your AI client the ability to perform precise financial breakdowns for property sales. Instead of guessing, your agent can account for mortgage payoffs, agent commissions, seller concessions, transfer taxes, and repair costs in seconds. You can use it to check if a specific sale price actually covers all existing debts or to see how a change in commission rates affects the final payout. It turns your AI from a simple chat interface into a specialized real estate financial assistant that provides clear, data-backed answers for sellers.

## Tools

### calculate_net_proceeds
This tool calculates the final amount a seller receives after every deduction is subtracted.

### calculate_tax_burden
Use this to find the specific amount of transfer taxes owed on a transaction.

### estimate_commission_impact
This tool determines how much the agent's commission will reduce the total proceeds.

### validate_sale_feasibility
This tool checks if the proposed sale price is high enough to cover all debts and expenses.

## Prompt Examples

**Prompt:** 
```
How much will I walk away with if I sell my house for $500,000 with a $300,000 mortgage payoff, 6% commission, and $5,000 in closing fees?
```

**Response:** 
```
Your estimated net proceeds are $165,000. This accounts for the $30,000 commission, $300,000 mortgage payoff, and $5,000 in closing fees.
```

**Prompt:** 
```
What will the agent commission be for a $750,000 sale at a 5% rate?
```

**Response:** 
```
The agent commission will be $37,500.
```

**Prompt:** 
```
Is a sale price of $250,000 feasible if I owe $240,000 on my mortgage and expect $15,000 in total expenses?
```

**Response:** 
```
No, the sale is not feasible as the total obligations ($255,000) exceed the sale price ($250,000).
```

## Capabilities

### Net Proceeds Calculation
Your agent calculates the final cash amount remaining after all transaction costs.

### Tax Liability Estimation
The AI determines the specific transfer taxes required for the sale.

### Commission Modeling
Your agent can show how different commission rates change the seller's take-home pay.

### Feasibility Testing
The AI checks if a sale price covers all existing mortgage debts and closing expenses.

## Use Cases

### Client Consultation
An agent uses the MCP to answer a seller's question about their expected cash at closing.

### Offer Evaluation
A professional checks if a new offer is high enough to cover the mortgage and taxes.

### Commission Negotiation
The AI shows how a 1% difference in commission changes the seller's final check.

### Financial Planning
An investor uses the tool to see if a property sale will provide enough liquidity for their next move.

## Benefits

- Eliminates manual math errors in transaction cost calculations.
- Provides instant answers to client questions about net proceeds.
- Verifies if a sale price is actually enough to cover debts.
- Models different commission scenarios to show impact on profit.

## How It Works

Connect your AI client to the Vinkius-hosted MCP and start running calculations immediately.

1. Connect your preferred client like Claude or Cursor to Vinkius.
2. Ask your AI agent to calculate net proceeds or check sale feasibility.
3. The agent invokes the specific tool needed for the math.
4. The MCP returns the precise financial breakdown to your agent.
5. Your agent presents the final numbers to you or your client.

## Frequently Asked Questions

**What can this MCP calculate for real estate?**
It calculates net proceeds, transfer taxes, agent commission impacts, and sale feasibility.

**How does it handle mortgage payoffs?**
The tool includes mortgage payoffs as a deduction when calculating the final net proceeds for a seller.

**Can I use this with Claude or Cursor?**
Yes, you can connect this MCP to any MCP-compatible client including Claude, Cursor, and Windsurf.

**Will it tell me if a sale is a bad idea?**
Yes, the validate_sale_feasibility tool checks if the sale price is enough to cover all debts and expenses.

**Do I need to host this myself?**
No, Vinkius hosts and manages the MCP so it is ready to use as soon as you connect your client.

**What is included in the net proceeds calculation?**
The calculation subtracts the mortgage payoff, agent commissions, seller concessions, transfer taxes, repair costs, and closing fees from the gross sale price.

**Can I check if my sale price is high enough to cover my debts?**
Yes, you can use the `validate_sale_feasibility` tool to check if the proposed sale price covers your mortgage payoff and estimated expenses.

**How are transfer taxes calculated?**
Transfer taxes are calculated by multiplying the gross sale price by the local jurisdiction's tax rate using the `calculate_tax_burden` tool.