Miami-Dade County, Florida · Seller net sheet

Miami-Dade County seller net sheet calculator

Miami-Dade County is the exception to two Florida rules at once: the deed doc stamp rate is 0.60% instead of the statewide 0.70%, and the buyer — not the seller — customarily pays for owner's title insurance. Both work in a Miami-Dade seller's favor.

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We'll pre-fill the state, county transfer taxes, title custom and an estimated property tax bill. Every number stays editable.

Single offer

One set of terms, full itemized net sheet.

Estimated Net Proceeds

$205,200

Property label

Shown on the PDF report and used in the file name.

Sale price

Estimated closing date

Seller agent commission3%

Buyer agent commission2.5%

Outstanding mortgage payoff

Your Estimated Net Walkaway Cash

$205,200

Closing on Sep 13, 2026 · $319,800 in payoff, commissions & costs

Where the gross sale goes

$525,000 sale price broken down

Mortgage Payoff
$285,000
54.3% of gross sale
Total Commissions
$28,875
5.5% of gross sale
Closing/Agent costs
$5,925
1.1% of gross sale
Your Net Cash
$205,200
39.1% of gross sale

Itemized breakdown

Every line, and the share you pay as the seller

Itemized seller closing cost breakdown
Item	Full	Your share
Sale price	—	$525,000
Mortgage payoff	—	−$285,000
Listing agent commission(3%)	—	−$15,750
Buyer agent commission(2.5%)	—	−$13,125
Title Insurance Policy(Seller)	$1,800	−$1,800
Transfer Tax	$2,100	−$2,100
Recording Fees	$150	−$150
Escrow / Settlement Fee(50/50)	$950	−$475
Prorated Property Taxes	$1,400	−$1,400
Estimated net proceeds		$205,200

Selling a primary residence? Read our capital gains tax on home sale guide to estimate any federal tax owed on top of these net proceeds.

What Miami-Dade County sellers should know

Local transfer tax

Miami-Dade is the one Florida county with a lower deed doc stamp rate: $0.60 per $100 (0.60%) instead of the statewide $0.70 per $100. A 0.45% county surtax applies to non-single-family transfers only.

Title & closing custom

Miami-Dade is one of the four Florida counties where the buyer customarily pays for the owner's title policy — the opposite of most of the state.

Property taxes

Miami-Dade County's average effective property tax rate is roughly 1.02% of market value; Save Our Homes caps only apply to homesteaded owners.

Miami-Dade County seller FAQs

How much are documentary stamp taxes in Miami-Dade County?

Miami-Dade charges $0.60 per $100 of sale price (0.60%) on the deed, versus $0.70 per $100 everywhere else in Florida. On a $600,000 sale that is $3,600 instead of $4,200. A separate 0.45% county surtax applies to transfers that are not single-family residences.

Who pays for title insurance in Miami-Dade County?

The buyer does, by local custom. Miami-Dade, Broward, Palm Beach, and Sarasota are the Florida counties where title insurance flips to the buyer; in the rest of the state the seller pays. That materially improves a Miami-Dade seller's net sheet.

What is the Miami-Dade surtax and does it apply to my home sale?

Miami-Dade levies an additional 0.45% surtax on documents transferring property other than a single-family residence — think condos used commercially, multi-family, or commercial buildings. A standard single-family home sale is exempt from it, but confirm the classification with your closing agent.

Seller guide

Understanding Closing Costs & Net Proceeds in Florida

In Florida, the seller's biggest state-specific cost is the Documentary Stamp Tax on the deed — a real line item that catches a lot of first-time sellers by surprise. Who pays for title insurance also depends on which county you're in.

Key local custom breakdown

Doc Stamps: Florida charges $0.70 per $100 of sale price on the deed (0.70%), or $0.60 per $100 in Miami-Dade. On a $500K sale that's about $3,500 out of your proceeds.
Title insurance: In most of Florida the seller pays for the owner's title policy. In Miami-Dade, Broward, Palm Beach, and Sarasota the buyer customarily pays.
Commissions: Listing and buyer-agent fees are now negotiated separately. Sumline keeps them as two editable fields so you can model any split.

How the Florida transfer tax is calculated

Transfer Tax = Sale Price × 0.007

Example: $500,000 × 0.007 = $3,500

Miami-Dade single-family homes use × 0.006 instead.

Frequently asked questions (Florida real estate)

How are Florida Documentary Stamp Taxes calculated on a deed?: In 49 out of 50 Florida counties, the state levies a Documentary Stamp Tax (Doc Stamps) of $0.70 per $100 of the total sale price (0.70%). In Miami-Dade County, the rate is $0.60 per $100 for single-family homes, plus a $0.45 surtax for commercial or multi-family properties.
Who pays the Doc Stamps at a Florida real estate closing?: The seller is legally responsible for paying the Documentary Stamp Tax on the deed at closing. If a new mortgage is being opened, the buyer pays separate doc stamps ($0.35 per $100) and an intangible tax on the mortgage note.
Why do closing cost customs change by county in Florida?: Florida has distinct regional customs. In Northern and Central Florida, the seller selects the title company and pays for the owner's title insurance policy. In South Florida (Miami-Dade, Broward, and Palm Beach), the buyer traditionally chooses the title company and pays the premium.

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