Florida Seller's Guide
Everything Florida home sellers need to know about the Documentary Stamp Tax, closing costs, title insurance, and timeline.
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Florida Home Seller Net Proceeds Calculator
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Picking a city applies the correct local transfer tax automatically.
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Brokerage Commissions
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Total Commissions$0.00
Estimated Net Proceeds
-$750.00
Sale Price$0.00
Commissions- $0.00
Mortgage Payoff- $0.00
Total Transfer Tax (effective 0.00%)- $0.00
Owner's Title Insurance- $0.00
Escrow / Closing Fee- $0.00
Attorney Fee- $750.00
Recording Fee- $0.00
Florida transfer taxes are state-, county-, and municipality-specific. Title insurance, escrow, attorney, and recording fees vary by provider. Consult your closing attorney or title company for exact figures.
Selling a Home in Florida
Florida sellers pay the state Documentary Stamp Tax on the deed — $0.70 per $100 of the sale price (0.70%) statewide. Miami-Dade County uses a different rate: $0.60/$100 (0.60%) on single-family residences, plus a $0.45/$100 surtax on non-single-family property. On top of the doc stamp tax, sellers also pay agent commissions, the owner's title insurance policy (state-promulgated rates), escrow/closing fees, recording fees, and any HOA transfer fees.
Florida Transfer Tax & Closing Costs
Florida title insurance premiums are set by the state and are the same at every title company. The seller customarily pays the owner's policy that protects the buyer; the buyer pays for the lender's policy. The seller also pays the documentary stamp tax on the deed at closing; escrow fees are typically split with the buyer.
How to Estimate Your Florida Net Proceeds
- Sale Price: Start with the agreed-upon contract price.
- Mortgage Payoff: Subtract your remaining loan balance and accrued interest through closing.
- Transfer Taxes: Apply the state, county, and any municipal transfer tax owed by the seller.
- Closing Costs: Deduct commissions, owner's title insurance, attorney/escrow, and recording fees.
Florida Net Proceeds = Sale Price − Mortgage Payoff − Commissions − Transfer Taxes − Closing Costs
Key Factors to Consider
- Documentary Stamp Tax (Seller-Paid): $0.70 per $100 of the sale price (0.70%) in every county except Miami-Dade. Calculated on the full sale price and collected at recordation.
- Miami-Dade Exception: Miami-Dade charges $0.60/$100 (0.60%) on single-family residences. Non-single-family property (condos, multifamily, commercial) adds a $0.45/$100 surtax on top.
- Title Insurance: Florida title insurance rates are promulgated by the state — identical at every underwriter. The seller customarily pays the owner's policy that protects the buyer.
- Escrow / Closing: Closings are handled by title companies or real estate attorneys. Escrow fees are typically split with the buyer.
- HOA Transfer Fees: If your property is in an HOA or condo association, expect a transfer/estoppel fee at closing.
Why use this tool?
Most national net-sheet calculators ignore Florida's layered transfer tax structure — state, county, and municipal — and silently understate closing costs by thousands of dollars. This calculator applies the correct rates for the city you select so the bottom line reflects what you'll actually walk away with.
Need more accuracy?
This tool provides general estimates only. Confirm exact figures with your closing attorney or title company, and consult a qualified tax professional regarding state and federal capital gains or other obligations specific to your sale.