Florida Seller Net Proceeds Calculator

$100k$1M

Estimated Closing Costs & Net Proceeds

Sale Price$350,000
Agent Commission (6%)-$21,000
FL Doc Stamp Tax (0.7%)-$2,450
Title Insurance (~0.5%)-$1,750
Misc Closing Costs (1%)-$3,500
Total Costs-$28,700
Est. Net Proceeds$321,300

* This is an estimate for planning purposes. Actual costs vary. Consult a Florida title company or real estate attorney for precise figures.

What Are Closing Costs in Florida?

When you sell a home in Florida, you don't walk away with the full sale price. A variety of fees, taxes, and costs are deducted at the closing table before you receive your proceeds. Understanding these costs upfront lets you price your home correctly and avoid surprises on closing day.

Florida Doc Stamp Tax

The Florida documentary stamp tax (doc stamp) is one of the most significant seller costs unique to Florida. Sellers pay $0.70 per $100 of the sale price (0.7%) — so on a $350,000 sale, that's $2,450 going to the state. In Miami-Dade County, the rate is slightly different, but 0.7% applies across most of Florida.

Example: On a $500,000 home, the Florida doc stamp tax alone is $3,500. This is paid by the seller at closing and is non-negotiable.

Real Estate Agent Commission

Traditionally, total agent commissions in Florida have been 5-6% of the sale price, split between the buyer's and seller's agents. Post-NAR settlement (2024), commission structures are more negotiable than ever. The buyer's agent commission is now typically negotiated separately. Our calculator uses 6% as a starting benchmark, but you may be able to negotiate lower with your listing agent.

If you want to avoid paying a buyer's agent commission entirely, consider listing on the MLS yourself through a flat-fee service like MyFLListing.com.

Title Insurance

In Florida, the seller typically pays for the owner's title insurance policy, which protects the buyer. Title insurance rates are set by the state of Florida based on the sale price — approximately 0.5% but decreasing at higher price points. On a $350,000 sale, expect roughly $1,750-$2,000 for owner's title insurance.

Other Common Seller Closing Costs

  • Real estate attorney fees: $500-$1,500 if you use an attorney (recommended)
  • Property taxes (prorated): You'll owe taxes for the days you owned the home in the sale year
  • HOA fees: Any outstanding HOA dues or transfer fees
  • Home warranty: Some sellers offer buyer home warranties ($350-$600)
  • Staging costs: Optional but can improve sale price ($500-$3,000)
  • Repairs from inspection: Negotiated credits or repairs after inspection

Frequently Asked Questions

Who pays closing costs in Florida, buyer or seller?

Both parties pay closing costs in Florida, but the split differs. Sellers typically pay agent commissions, doc stamp tax, and owner's title insurance. Buyers typically pay lender fees, their portion of title insurance, and recording fees. In slower markets, sellers sometimes offer concessions to cover buyer closing costs.

Can I negotiate closing costs in Florida?

The doc stamp tax is set by Florida law and cannot be negotiated. Agent commissions, however, are fully negotiable. Title company fees vary — it's worth shopping multiple title companies for competitive rates.

What is a net sheet in Florida real estate?

A net sheet (or seller's net sheet) is a document your listing agent provides showing your estimated proceeds after all costs. Always request a detailed net sheet before accepting an offer so you know exactly what you'll walk away with.