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Sale price minus mortgage payoff minus every closing cost. The number that actually hits your bank account — usually 6–9% less than sale price (before mortgage).
Enter your sale price and mortgage payoff. We’ll show your true net after Florida doc stamps, owner’s title insurance (FL OIR rates), commission (post-NAR settlement), and every line item that hits closing — with 2026 numbers.
The contract number and the wire-transfer number are different. Three line items eat the gap on every Florida home sale.
Sale price minus mortgage payoff minus every closing cost. The number that actually hits your bank account — usually 6–9% less than sale price (before mortgage).
Sum of commission + Florida state taxes + title + settlement + concessions. Typically 7–9% of sale price in Florida — the calculator shows the exact line items.
$0.70 per $100 of sale price (0.70%), statutory, non-negotiable, seller-paid. The only fee on a Florida sale fixed by state law — everything else is custom.
Doc stamps and title insurance auto-calculate at Florida-statutory rates. Everything else has sensible defaults you can override.
The contract number. Doc stamps (0.70%) and FL OIR-promulgated title insurance auto-calculate immediately.
Your current loan balance plus a few days of per-diem interest. Set to $0 if you own the home free and clear.
Listing and buyer’s agent are now separately negotiated (post-August 2024 NAR settlement). Default totals 5.5%.
The big number is your wire-transfer amount. The bar shows where every dollar of your sale price goes.
Florida sellers pay two state-specific costs most other states don’t levy: documentary stamp tax on the deed (0.70% statewide, except Miami-Dade) and owner’s title insurance (custom in most counties — seller pays). Together that’s an automatic 1.2–1.3% off the top of every Florida sale before you’ve touched commission.
The August 2024 NAR settlement reshuffled how commission works. Buyer-agent compensation can no longer be advertised through the MLS, and sellers are no longer required to offer it. In hot 2026 Florida markets (waterfront Pinellas, new construction Horizon West, turnkey South Tampa), some sellers are now offering zero or minimal buyer-agent comp. In most markets, sellers still offer 2–3% as a marketing tool — buyers without coverage often can’t afford their own representation.
Florida is a “wet funding” state, meaning funds are disbursed at closing — sellers typically receive their net proceeds via wire transfer or cashier’s check the same day or next business day. No multi-week escrow holding period like some western states.
The Doce Mortgage Group has been writing Florida real estate transactions since 1987. We don’t list properties (we’re a lender, not a brokerage), but we know every closing cost line item by heart — and we can connect you with vetted listing agents and title companies.
Typical total closing costs as a percentage of sale price in Florida, excluding mortgage payoff. On a $450,000 sale, that’s $31,500–$40,500 in fees before mortgage payoff.
Doc stamps on deed (0.70%, statutory) · Owner’s title insurance (FL OIR tiered) · Settlement fee (custom in most counties) · HOA estoppel if applicable
Sale price + mortgage payoff · Listing + buyer-agent commission split · Auto FL doc stamps · Auto FL OIR title insurance · HOA estoppel · Seller concessions · Net as % of sale
Florida closing-cost allocation is mostly custom, not law. Here’s the typical split for most counties. Miami-Dade, Broward, Sarasota, and Collier have local variations on title insurance.
| Closing Cost | Typical Amount | Usually Paid By | Notes |
|---|---|---|---|
| Real Estate Commission | 4.5–5.5% of sale | Seller | Post-NAR settlement: listing + buyer-agent comp separately negotiated |
| Doc Stamps on Deed | 0.70% of sale | Seller | Statutory, non-negotiable. Miami-Dade 0.60% on SFR, 1.05% on condos |
| Owner’s Title Insurance | ~0.5% of sale | Seller (custom) | Buyer pays in Miami-Dade, Broward, Sarasota, Collier counties |
| Settlement / Closing Fee | $750–$975 | Often split | Often split or paid by whichever party chose the closing agent |
| Title Search + Lien Search | $150–$300 | Seller | Bundled into title fees in many transactions |
| HOA Estoppel Fee | $100–$500 | Seller | Only if property has an HOA |
| Recording Fees (Deed) | ~$70 | Seller | County recording for deed transfer |
| Prorated Property Tax | Varies | Seller | Through closing date; buyer takes over after |
| Doc Stamps on Note | 0.35% of loan | Buyer | On buyer’s new mortgage; cash buyers skip this |
| Intangible Tax on Mortgage | 0.20% of loan | Buyer | On buyer’s new mortgage; cash buyers skip this |
| Lender’s Title Insurance | $25–$300 | Buyer | Separate from owner’s policy; protects the bank |
Selling and buying at the same time? Most Florida moves are simultaneous. We can structure a same-day close so you don’t need to bridge two payments.
Talk About a Simultaneous CloseHonest answers about every line item that hits a Florida closing — and the 2024 NAR settlement that reshuffled commission.
Alex Doce has been closing Florida real estate transactions since 1987. He can’t list your house (we’re lenders, not realtors), but he can walk through your net sheet and connect you with vetted listing agents and title companies.
Talk to a Florida SpecialistYour sale will close in 30–45 days. Get pre-approved for the next home in 24 hours so you can write a strong offer the moment you find it. The Doce Mortgage Group has been writing Florida mortgages since 1987.