Florida Seller Closing Cost Calculator
Get a precise breakdown of every seller cost unique to a Florida closing before you list.
What This Calculator Does
Plug in your sale price and the calculator tallies all the Florida-specific seller costs you can expect: documentary stamp tax — including the elevated Miami-Dade surtax rates — title insurance, agent commission, and the standard administrative fees that come with every closing.
Who Is This For
Florida sellers who want to know their net proceeds before signing a listing agreement, with particular relevance for Miami-Dade County owners where the surtax materially changes the math. Real estate agents will also find it useful for quickly generating accurate seller net sheets.
How It Works
Type in your sale price and commission percentage, then use the toggles to match your specific circumstances: who is responsible for title insurance, whether the property is in Miami-Dade County, and the property type. Every change recalculates the totals instantly.
Frequently Asked Questions
What is the Florida documentary stamp tax?
Florida levies $0.70 per $100 — equivalent to $7 per $1,000 — of the sale price. Miami-Dade County layers on a surtax that pushes the combined rate to $1.05 per $100 for condos. Single-family homes in Miami-Dade qualify for a reduced rate of $0.60 per $100.
Who pays title insurance in Florida?
The seller covers title insurance in most Florida counties as a matter of long-standing local practice, though the obligation is technically negotiable. Customs do differ by area, and in certain markets it falls to the buyer instead.
Why are Miami-Dade rates different?
Miami-Dade applies a county-level surtax on top of the state documentary stamp rate, which is why the combined figure reaches $1.05 per $100. Single-family properties with a homestead designation are exempt from the surtax, bringing their effective rate down to $0.60 per $100.
What fees are fixed vs percentage-based?
The agent commission and documentary stamp tax both scale with the sale price. Title insurance is calculated on a tiered schedule tied to value. HOA estoppel letters, wire transfer fees, and document preparation charges are flat-dollar amounts that do not change with price.