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Florida Seller Closing Cost Calculator
Updated October 20, 2026
Florida sellers usually pay the deed doc stamps ($0.70 per $100), the owner’s title policy in most counties, the commission and a property tax credit. Enter your sale below for an instant net sheet.
Seller closing costs and net proceeds
| Seller cost | Amount |
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The 5% commission, payoff, tax and date are example inputs only. Commissions are negotiable; enter your own figures. Settlement fees, title search and HOA estoppel fees vary by company and are not set by the state, so enter the amounts from your quote.
What sellers pay at closing in Florida
- Deed doc stamps: $0.70 per $100 of the price (or portion of $100) everywhere except Miami-Dade, which charges $0.60 per $100 plus a $0.45 per $100 surtax unless the deed transfers only a single-family dwelling. By custom the seller pays this tax.
- Owner’s title insurance: state-promulgated premium of $5.75 per $1,000 up to $100,000 and $5.00 per $1,000 to $1 million. The seller usually pays in most counties; in Miami-Dade, Broward, Sarasota, Collier and some others the buyer often does. Use the title insurance calculator for reissue savings.
- Real estate commission: whatever you agreed in your listing agreement.
- Property tax proration: Florida property taxes are paid in arrears (for the calendar year, usually in November or later), so the seller normally credits the buyer for the days of the year the seller owned the home. This estimate counts January 1 through the day before closing; your contract sets the exact method.
- Mortgage payoff and any liens, plus settlement fees, HOA estoppel letters and agreed repairs or credits.
Worked example: $400,000 single-family home outside Miami-Dade
Deed stamps: 4,000 × $0.70 = $2,800. Owner’s title policy: $575 + $1,500 = $2,075. A 5% commission would be $20,000. With a $6,000 annual tax bill and a December 15 closing, the proration credit is $6,000 × 348 ÷ 365 = $5,720.55. Total costs: $30,595.55. After a $200,000 payoff, net proceeds are about $169,404.
Buyer or seller?
Buying instead? The Florida closing cost calculator shows the buyer’s side too: mortgage doc stamps ($0.35 per $100), intangible tax (0.2% of the loan) and the lender’s title policy.
Rates as of October 20, 2026, from official sources: title insurance premiums are set by the state in Rule 69O-186.003, F.A.C. (see also the Florida Office of Insurance Regulation); doc stamp rates are in s. 201.02, s. 201.031 and s. 201.08, F.S., and the Florida Department of Revenue; intangible tax is s. 199.133. Estimates only; your closing agent’s figures control.
FAQ
What are seller closing costs in Florida?
Mainly deed doc stamps ($0.70 per $100 of price outside Miami-Dade), the owner’s title policy in most counties, the agent commission, a property tax proration credit to the buyer, and settlement fees.
How much are doc stamps for a seller in Florida?
$0.70 per $100 of the sale price, so $2,800 on a $400,000 home. In Miami-Dade it is $0.60 per $100, plus $0.45 per $100 surtax unless the property is a single-family dwelling.
Does the seller pay title insurance in Florida?
In most counties the seller pays for the owner’s policy by custom. In Miami-Dade, Broward, Sarasota, Collier and some others the buyer often pays. The contract decides.
Why does the seller pay property taxes at closing in Florida?
Florida property taxes are paid in arrears, so the bill for the current year is not due until after closing. The seller credits the buyer for the part of the year the seller owned the home.
How do I estimate my net proceeds?
Sale price minus all seller costs minus your mortgage payoff. Enter your numbers above for an instant estimate.