Florida Seller Closing Cost Calculator
Let's break down every seller cost that's unique to a Florida closing, precisely, before you list.
What This Calculator Does
Enter your sale price and the calculator gathers up every Florida-specific seller cost you can expect: documentary stamp tax — including the elevated Miami-Dade surtax rates — title insurance, agent commission, and the standard administrative fees that ride along with each closing.
Who Is This For
This is for Florida sellers who want their net proceeds clear before signing a listing agreement, and it's especially handy for Miami-Dade County owners, where the surtax genuinely changes the math. Agents will find it quick for generating accurate seller net sheets, too.
How It Works
Enter your sale price and commission percentage, then use the toggles to fit your circumstances: who's responsible for title insurance, whether the property sits in Miami-Dade County, and the property type. Each change recalculates the totals on the spot.
Frequently Asked Questions
What is the Florida documentary stamp tax?
Florida charges $0.70 per $100 — the same as $7 per $1,000 — of the sale price. Miami-Dade County adds a surtax that lifts 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?
In most Florida counties the seller takes on title insurance, a matter of long-standing local practice, though technically it's negotiable. Customs vary from area to area, and in certain markets the buyer picks it up instead.
Why are Miami-Dade rates different?
Miami-Dade layers a county-level surtax on top of the state documentary stamp rate, which is what brings the combined figure to $1.05 per $100. Single-family properties carrying a homestead designation are exempt from the surtax, dropping their effective rate 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 follows a tiered schedule tied to value. And HOA estoppel letters, wire transfer fees, and document preparation charges are flat-dollar amounts that don't budge with price.