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Florida · Seller net proceeds

Know exactly what you'll walk away with in Florida.

Pre-loaded with Florida transfer-tax rules, recording-fee estimates, and title-insurance customs. Every field stays editable.

Tax tables & post-NAR commission guidelines updated for 2026.

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

Sale details

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Agent commissions

3%
2.5%

Estimated closing expenses

Select a state to auto-fill local defaults. Every field stays editable.

• Florida Deed Doc Stamps at 0.70% of gross sale price (Miami-Dade: 0.60%).

• In most of Florida, the Seller pays for Title Insurance. However, in Miami-Dade, Broward, Palm Beach, and Sarasota counties, the Buyer customarily pays.

• Florida imposes standard Documentary Stamp taxes instead of a sliding luxury mansion tax.

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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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