Florida seller net sheet — what do I walk away with?
The listing-appointment question, answered with Florida's actual statutory numbers: deed documentary stamps at the real rate (Miami-Dade included), the promulgated owner's title premium with the county who-pays custom applied, and the property-tax proration Florida's paid-in-arrears system charges the seller at closing. Runs in your browser; nothing you enter is collected.
Estimated seller net
| Sale price | |
|---|---|
| Mortgage payoff(s) | |
| Commission | |
| Deed documentary stamps | |
| Owner's title policy | |
| Property-tax proration | |
| Other costs | |
| Estimated net proceeds |
Estimates for planning only — the title agent's closing statement controls. Commission is fully negotiable; the title who-pays split and the proration convention are customs the contract can change.
Where each number comes from
- Deed stamps: Fla. Stat. §201.02 — $0.70 per $100 of the price in every county except Miami-Dade ($0.60 per $100), rounded up to the next $100. Customarily a seller cost statewide.
- Owner's title policy: the promulgated premium from Rule 69O-186.003 (see the title calculator) — a seller cost by custom in most counties, a buyer cost in Miami-Dade, Broward, Collier, and Sarasota. The reissue schedule can cut it sharply when the seller's own policy is under three years old.
- Tax proration: Florida property taxes are paid in arrears — the November bill covers the calendar year — so at closing the seller credits the buyer for January 1 through the day before closing, on the year's actual day count.
A worked example
Selling at $400,000 in a seller-pays-title county with a $250,000 payoff, five-and-a-half commission, $3,650 in annual taxes and a July 23 closing: commission $22,000.00, deed stamps $2,800.00, owner's title $2,075.00, tax proration $2,030.00, other $500.00 — total costs $279,405.00, estimated net $120,595.00. The same sale in Miami-Dade nets more from the seller's side: cheaper deed stamps and the owner's policy customarily on the buyer.
Related tools: transfer tax calculator · tax proration · the buyer’s own tax bill.
Quick answers
How do I estimate what I'll walk away with when I sell my Florida home?
Enter your sale price, mortgage payoff, commission percentage, county, annual taxes, and closing date, and the calculator subtracts the payoff, commission, deed documentary stamps, owner's title policy, property-tax proration, and other costs to show an estimated net. It runs in your browser and nothing you enter is collected — the title agent's closing statement is what actually controls at closing.
How much are Florida deed documentary stamps on a home sale?
Deed stamps are $0.70 per $100 of the sale price in every Florida county except Miami-Dade, where the rate is $0.60 per $100, per Fla. Stat. §201.02, rounded up to the next $100. They're customarily a seller cost statewide.
Does the seller or the buyer pay for title insurance in Florida?
It depends on the county custom, not law: the seller customarily pays the owner's title policy in most Florida counties, but in Miami-Dade, Broward, Collier, and Sarasota it's customarily a buyer cost. If the seller's own title policy is under three years old, the reissue rate can cut the premium sharply.
Why does a Florida seller owe a property-tax credit at closing?
Florida property taxes are paid in arrears — the November bill covers the calendar year that already passed — so at closing the seller credits the buyer for the period from January 1 through the day before closing, prorated on the year's actual day count.
Data verified as of August 2026.