Once you have an estimate of your home's market value, your REALTORSŪ can furnish you with a rough idea of how much cash you might walk away with when the sale is completed. This is extremely useful as you begin your search for a new home.

From the estimated sale price, subtract:

• Payoff on your present mortgage and loans
• Broker's fee
• Prepayment penalties that might be on your present mortgage
• Attorney's fees, if any
• Unpaid property taxes
  

In addition, your REALTORŪ can tell you whether local customs expect the buyer or the seller to pay the following.

• Title Insurance premium
• Survey fees
• Transfer taxes
• Inspections and repairs for termites, etc.
• Recording fees
• Homeowner Association transfer fees and document preparation
• Home Warranties
• Heating and cooling system inspection