Florida Seller Net Sheet Calculator
Estimate your Florida seller net sheet with payoff lines, credits, state-specific 2026 frictional costs, official local transfer-tax overrides where available, and see why the buyer's tax bill won't follow the property after closing.
Preliminary screening tool only. Default values are illustrative examples — not market offers. Florida costs use state-level averages that vary by county, property, and closing agent. Florida's post-sale tax-reset values model typical cases — actual reassessment outcomes depend on the assessor's methodology and any exemptions the buyer qualifies for. Verify every number with local professionals (title, attorney, lender, CPA) before signing closing documents. This is not legal, tax, or investment advice.
How We Calculate Florida Home Sale Costs
Transfer Taxes
FL Documentary Stamp: Florida levies a flat 0.70% transfer tax, customarily paid by the seller.
Source notes: $0.70/$100 doc stamp. Title payer varies by county (Buyer in Miami-Dade, Broward, Sarasota, Collier; Seller most others).
The Investor Tax Reset Warning
After your sale closes, the buyer's property-tax bill in Floridawon't follow yours. Save Our Homes does NOT apply to rentals — Florida uses the § 193.1554 10% non-homestead cap, which resets to just (market) value on sale.For investor buyers, that often means a meaningfully higher post-sale tax bill — and a lower offer for your home if they price the reset into their underwriting. Sellers in Florida can preserve sale price by surfacing this transparently. See how the buyer-side analyzer models this
Title & Escrow
Title insurance custom: In Florida, title insurance is typically paid by the split. Title policies protect against title defects discovered after closing; the lender requires their own policy regardless of who pays. The analyzer's estimate ($500 base + $4.50 per $1,000 over $100K) is calibrated against ALTA / TIRSA filings — real rates vary by carrier.
Closing protocol: Florida closings are handled by title companies — no attorney required by state law.
Tax Proration & Cycles
Billing cycle: Florida bills property taxes in arrears. If you sell mid-year, you owe the buyer a credit for the days you occupied the home — using a 365-day denominator (US settlement-statement industry standard).
Closing Protocol
Florida closings are handled by title or escrow agents; attorney fees are not customary. If you choose to retain an attorney, override the fee in the Advanced Disclosure.
Typical Florida seller closing costs
In Florida, sellers typically pay around 8-10% of sale price in closing costs — agent commission (5-6%), fl documentary stamp (0.70%), title insurance (split-paid), title closing fees, and arrears property-tax proration. For the full long-form breakdown across all 50 states, see the hub at /analyzers/home-sale-net-proceeds.
Compare Florida with Similar Markets
These states share a similar seller-side cost profile to Florida based on transfer tax, title-payer custom, closing protocol, and proration cycle. Click through to run your sale under each market's specific cost structure.
Florida Home Sale FAQs
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