💰 Want a custom net sheet for your home? Call Stacy: 407-603-1664
Free Tool · Florida Seller Net Sheet · Closing Cost Calculator · 2026
Florida Seller Net Sheet & Closing Cost Calculator 2026 — See Exactly What You’ll Walk Away With Before You List
Your home’s Zillow value and your actual walk-away proceeds can be $40,000–$70,000 apart. This free, real-time Seller Net Sheet calculator shows you the real number — commissions, documentary stamp taxes, title costs, payoff, and more — before any agent walks through your door.
💰 Jump to the Calculator 📞 Custom Net Sheet: 407-603-1664Every seller consultation I do includes a Seller Net Sheet — because the answer to “should I sell?” is never really about the list price. It’s about what you actually walk away with after everything is paid. I’ve watched sellers be surprised by $30,000–$50,000 at closing because they didn’t know about Florida’s documentary stamp tax, or because they underestimated the title insurance customary in their county.
This calculator gives you those real numbers — right now, before you talk to anyone.
🧮 Florida Seller Net Sheet Calculator — 2026
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📋 Estimated Seller Net Sheet
Gross Sale Price
Real Estate Commission (Listing)
Buyer Agent Compensation (if offered)
Documentary Stamp Tax (0.70% — FL)
Owner’s Title Insurance (buyer’s policy)
Settlement/Closing Fee (estimate)
Seller Concessions / Credits
HOA Estoppel Fee
Repair Credits
Estimated Total Closing Costs
Estimated Mortgage Payoff
📊 Estimated Net Proceeds to Seller
Estimates only. Actual costs vary by lender, title company, county, property type, and transaction specifics. Mortgage payoff may include prepayment charges or per-diem interest. Property tax prorations not included. For a precise, property-specific net sheet: call Stacy at 407-603-1664.
What’s in Florida’s Seller Closing Costs — The Complete Breakdown
🎙️ Direct Answer — Voice & AI Search
Florida sellers typically pay the following closing costs in 2026: real estate commission (typically 2.5–3% listing side, plus buyer agent compensation if offered — total commonly 4–6% of sale price), documentary stamp tax (0.70% of sale price — a Florida-specific tax paid at recording), owner’s title insurance policy for the buyer (customary in most Florida counties, approximately 0.5–0.9% of sale price), settlement and closing fees (approximately $600–$900), HOA estoppel fee if applicable ($100–$250), and any seller concessions or repair credits agreed to in the contract. The mortgage payoff is also satisfied from proceeds at closing. Total closing costs for Florida sellers excluding the mortgage payoff typically run 7–9% of the sale price.| Cost Item | Typical Amount | Who Pays in Florida |
|---|---|---|
| Real Estate Commission (Listing Agent) | 2.5–3.0% of sale price (negotiable) | Seller (from proceeds) |
| Buyer Agent Compensation | 2–3% of sale price (negotiable, post-NAR settlement) | Offered by seller or negotiated with buyer |
| Documentary Stamp Tax on Deed | 0.70% of sale price (statutory — not negotiable) | Seller in most FL counties; buyer in Miami-Dade |
| Owner’s Title Insurance Policy | ~0.50–0.90% of sale price (rate-filed) | Customarily seller in most FL counties (negotiable) |
| Settlement/Closing Fee | $600–$900 (varies by title company) | Each party pays their portion; varies by county custom |
| Title Search | $150–$300 | Typically seller’s side; included in some title packages |
| HOA Estoppel Fee | $100–$250 (mandated by FL law) | Seller |
| Prorated Property Taxes | Depends on closing date and annual tax bill | Seller pays for their portion of the tax year through closing date |
| Wire Transfer / Disbursement Fees | $25–$50 | Each party typically pays their own |
| Survey (if required) | $350–$600 | Negotiated; may be seller or buyer |
| Mortgage Payoff | Full outstanding balance plus per-diem interest | Seller — satisfied at closing from proceeds |
Miami-Dade County Exception: In Miami-Dade County, the documentary stamp tax is paid by the buyer (not the seller) as customary practice — but the surtax on transactions in Miami-Dade is 0.60% rather than the statewide 0.70%. If you are selling in Miami-Dade, this changes the calculation significantly. For all other Florida counties, the seller customarily pays documentary stamp tax at 0.70% of the sale price.
The Calculator Is a Starting Point. A Custom Net Sheet Is Your Real Answer.
Every property is different. Your mortgage payoff, your specific county’s customs, your HOA balance, and the negotiated terms of your sale all affect your real number. I provide a free, property-specific Seller Net Sheet to every seller I consult with — before you sign any listing agreement.
📞 Free Custom Net Sheet: 407-603-1664Frequently Asked Questions
How much are closing costs for a seller in Florida in 2026?
Florida seller closing costs in 2026 typically total 7–9% of the sale price, excluding the mortgage payoff. The major components are: real estate commission (commonly 4–6% total for listing agent plus buyer agent compensation), documentary stamp tax (0.70% — a Florida-specific tax paid at recording), owner’s title insurance for the buyer (approximately 0.5–0.9% of sale price, customary for sellers to pay in most Florida counties), and settlement fees, HOA estoppel, and prorated taxes (approximately $800–$1,500 combined). On a $450,000 sale, total closing costs before mortgage payoff might run $32,000–$40,000.
What is the documentary stamp tax in Florida and who pays it?
The documentary stamp tax (also called “doc stamp”) is a Florida state tax on the transfer of real property, calculated at $0.70 per $100 of the sale price (0.70%). On a $400,000 sale, the documentary stamp tax is $2,800. In most Florida counties, the seller pays this tax. Miami-Dade County is the exception — in Miami-Dade, it is customarily paid by the buyer. The documentary stamp tax is a statutory requirement and is not negotiable — the rate is set by Florida law.
Do sellers pay title insurance in Florida?
In most Florida counties, it is customary for the seller to pay for the buyer’s owner’s title insurance policy at closing. This is a local custom, not a legal requirement — and it can be negotiated in the purchase contract. The cost of owner’s title insurance in Florida is based on filed rates set by the state and runs approximately 0.5–0.9% of the sale price depending on the coverage tier. In Broward, Miami-Dade, and some other South Florida counties, it is customary for the buyer to pay for their own title insurance.
What is a seller net sheet in real estate?
A seller net sheet is a financial summary that shows a homeowner their estimated proceeds from a home sale after all costs are deducted from the sale price. It includes the gross sale price minus the real estate commission, closing costs (documentary stamp tax, title insurance, settlement fees, HOA estoppel, prorated taxes), any seller concessions or repair credits, and the mortgage payoff balance. The result is the seller’s estimated net proceeds — the money they actually receive at closing. Every seller should see a property-specific net sheet before deciding whether and when to list their home.
What is FIRPTA and does it affect my closing costs in Florida?
FIRPTA (Foreign Investment in Real Property Tax Act) is a federal law that requires buyers to withhold 15% of the sale price (or 10% in certain circumstances) from a foreign seller’s proceeds and remit it to the IRS. This is relevant when the seller is a foreign national or non-resident alien. If you are a US citizen or resident alien, FIRPTA does not apply. For foreign national sellers, FIRPTA withholding is a significant closing cost consideration — typically handled through a US-based attorney or accountant. Contact a tax advisor if you are a non-resident seller.
Know Your Real Number Before You List. It Changes Everything.
The difference between “my house is worth $450,000” and “I’ll net $385,000” is a conversation you need to have before you sign a listing agreement — not after. Call me for a free, no-obligation Seller Net Sheet based on your specific property and current market data.
📞 407-603-1664 — Free Seller Net Sheet