Florida Seller Net Proceeds Calculator
What will you actually clear when you sell? This calculator itemizes the Florida-specific costs that come off your sale price: documentary stamps on the deed at your county’s rate, the owner’s title insurance premium at the state promulgated rate, commission, mortgage payoffs, and the property tax credit you give the buyer at closing. Built by the real estate attorneys at KEW Legal®.
Estimate Your Net Proceeds
Fill in what you know. Every dollar field accepts 0, and the results update each time you press the calculate button.
The 2026 Florida Numbers Behind This Calculator
Documentary Stamps on the Deed: $0.70 per $100 of the sale price in most counties. Miami-Dade charges $0.60 per $100 on single-family residences and adds a $0.45 surtax on everything else, which brings those transfers to $1.05 per $100. Florida custom has the seller paying this tax.
Owner’s Title Insurance: Florida sets the premium by rule, so it is identical at every title agency: $5.75 per $1,000 on the first $100,000, $5.00 per $1,000 up to $1 million, and lower tiers above that. Sellers customarily pay it in most counties, while buyers usually pay in Miami-Dade, Broward, Collier, and Sarasota.
Property Tax Prorations: Florida property taxes are paid in arrears, so at closing you credit the buyer for your share of the year. The calculator estimates that credit from your annual bill and your closing month.
Customs Are Not Contracts: Who pays each cost is negotiable, and the purchase agreement is what controls. That is exactly why it pays to have an attorney read yours before you sign.
Seller Closing Cost Questions
How much are seller closing costs in Florida?
For most sellers the total lands between six and nine percent of the sale price once commission, deed doc stamps, title costs, and prorations are added up. The calculator above itemizes each piece for your exact numbers instead of quoting an average.
Who pays for title insurance in Florida?
It depends on county custom. In most of the state the seller pays for the owner's policy, while in Miami-Dade, Broward, Collier, and Sarasota the buyer usually does. Whoever pays typically picks the closing agent, and the contract can assign the cost either way.
What are documentary stamps on a deed?
They are Florida's transfer tax, collected when the deed is recorded. The state rate is $0.70 per $100 of the price, with Miami-Dade's special rates for single-family and other property. There is no cap, so on larger sales this is often the biggest tax line on the seller's side.
Do I need an attorney to sell property in Florida?
Florida does not require one, but the contract you sign fixes who pays what, which repairs you owe, and what happens if the deal falls through. Having a real estate attorney review it, clear title issues, and handle the closing protects the proceeds this calculator estimates.
Buying at the Same Time?
Run the buyer side of the deal too. The buyer calculator covers the note doc stamps, intangible tax, title insurance, escrows, and your full cash to close.
BUYER CLOSING COST CALCULATORReady to Close with Confidence?
Talk to a KEW Legal® real estate attorney before you sign. Call 305-990-2300 or schedule a consultation online.
SCHEDULE A CONSULTATIONThis calculator provides an educational estimate based on published Florida rates as of 2026. It is not a quote or legal advice, and actual figures depend on your contract, payoff letters, prorations to the day, and your closing agent. Using it does not create an attorney-client relationship with KEW Legal®.