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.