Florida seller net sheet calculator

Florida sellers customarily pay the documentary stamp tax on the deed: 70 cents per $100, or 0.7% of the price. In most counties the seller also pays for the owner’s title policy, whose premium is set by the state.

Florida’s rules checked September 30, 2026Runs in your browser. Nothing you type is saved.

State Closing date

County or city

Florida: Documentary stamp tax: 0.7% of the price, usually paid by the seller. Owner’s title is usually paid by the seller, though it varies.

Sale price

$

Mortgage payoff

$

Commissions

Listing agent

Buyer’s agent

Estimated net to seller $164,102

42%keeps

Sale price$395,000
Commissions−$21,725
- Listing agent commission (3%)est.−$11,850
- Buyer’s agent compensation (2.5%)est.−$9,875
Loans and liens−$200,000
- Mortgage payoff−$200,000
Title and closing−$2,750
- Owner’s title insurance−$2,050
- Settlement or escrow feeest.−$600
- Recording and release feesest.−$100
Taxes−$6,423
- Documentary stamp tax−$2,765
- Property taxes (prorated)est.−$3,658
Net to seller$164,102

An estimate, not a closing statement. The title or escrow company and your lender provide the final figures, and the loan payoff comes from the lender's payoff statement. Commissions are negotiable.

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A Florida sale, worked out

The calculator opens on $395,000, about the median value of an owner-occupied home in Florida ($396,900, 2024 Census estimate), with a $200,000 mortgage payoff as an example. Commissions are whatever the seller agrees, so they’re left out here.

Before commissions and the payoff, the seller’s costs come to about $9,173, or 2.32% of the price, for a closing on December 5, 2026. Florida’s transfer tax on a $400,000 sale is the 12th highest of the 35 states and DC that have one.

Seller’s costs on $395,000, before commissions and the payoff
Owner’s title insurance	−$2,050
Settlement or escrow feeest.	−$600
Recording and release feesest.	−$100
Documentary stamp tax	−$2,765
Property taxes (prorated)est.	−$3,658
Total	−$9,173

Estimates are tagged “est.”; the rest follow the state’s rules.

The documentary stamp tax and title at other prices

Documentary stamp tax is 0.7% of the price, usually paid by the seller. Florida sets title insurance premiums, so the owner’s policy below is the state’s rate. Who pays for it depends on the county (see the list below); the calculator counts it for the seller unless you pick a county where the buyer pays.

Sale price	Whole documentary stamp tax	Seller usually pays	Owner’s title policy
$250,000	$1,750	$1,750	$1,325
$500,000	$3,500	$3,500	$2,575
$750,000	$5,250	$5,250	$3,825
$1,000,000	$7,000	$7,000	$5,075
$2,000,000	$14,000	$14,000	$7,575

Counties or cities in Florida can add a tax of their own. Add it under Other costs in the calculator.

Selling in Florida: what to know

Documentary stamp tax

Florida’s documentary stamp tax on deeds is 70 cents per $100 of the price (0.7%), rounded up to the next $100, so $2,800 on a $400,000 sale. By law everyone on the deed is liable, but by custom and under the standard Florida contracts the seller pays it. The price includes any mortgage the buyer takes the home subject to.

Title insurance

Florida sets title insurance premiums by rule: $5.75 per $1,000 up to $100,000 and $5 per $1,000 from $100,000 to $1 million, with lower rates above that and a $100 minimum, so an owner’s policy on a $500,000 home is $2,575. Reissue rates apply when the seller’s own owner’s policy is less than three years old. The seller pays in most counties; the buyer customarily pays in Miami-Dade, Broward and Sarasota, and often in Collier. When the lender’s policy is issued with the owner’s, the rule sets a $25 minimum for it, though title companies’ actual charge varies and endorsements are extra.

Who runs the closing

Florida doesn’t require an attorney. Licensed title agencies and attorney agents both close sales, and many sellers close through a title company without an attorney of their own.

Property taxes

Florida taxes the calendar year, assessed January 1, with bills mailed November 1. Paying early earns a discount (4% in November down to 1% in February), and taxes go delinquent April 1. At a closing before November the current year is unpaid, so the seller credits the buyer from January 1 through the day before closing.

Local differences

Miami-Dade charges deed stamps at 0.6% instead of 0.7%. It also adds a 0.45% surtax on every deed except one for a single-family home, condo or co-op unit, so other property pays 1.05%; the surtax is scheduled to end October 1, 2031. Owner’s title custom: buyer pays in Miami-Dade, Broward and Sarasota (Collier is often listed with them); seller pays in Palm Beach, Manatee, Hillsborough, Pinellas, Orange and Duval, and generally in Lee; reports conflict for Charlotte, so confirm with a local title agent.

Florida by county

Most of Florida follows the rules above. These counties add a tax of their own, set a different rate or change who pays, and the calculator applies them when you pick one. Amounts are what the seller usually pays in transfer and deed taxes on $395,000, plus the owner’s title policy where the seller usually buys it.

Everywhere else in Florida

The state’s rules, as above

$4,815

Broward County

Buyer pays owner’s title

$2,765 −$2,050 vs. elsewhere

Charlotte County

Who pays owner’s title varies