Florida seller net sheet calculator

What a Florida seller walks away with after commission, payoffs, title, and transfer taxes. Rates and closing customs below are verified for Florida; the calculator applies them for you, down to the county.

Calculate a Florida net sheet Plans and pricing

State transfer tax: $0.70 per $100
Owner's title policy: Seller pays
Seller costs on $400,000: About $25,994

Florida transfer tax

Florida charges the documentary stamp tax on deed of $0.70 per $100, customarily paid by the seller. On top of that, 2 county or city transfer taxes apply in parts of the state; the calculator adds them when you choose the county.

Who pays is local custom and can be changed in the contract. Rates verified 2026-09-29.
Tax	Level	Rate	Customarily paid by
Documentary stamp tax on deedApplies: except Miami-DadeF.S. 201.02; computed on the consideration rounded up to the next $100.	State	$0.70 per $100	Seller
Documentary stamp tax on deed (Miami-Dade, single-family)	County	$0.60 per $100	Seller
Documentary stamp tax + surtax on deed (Miami-Dade, other property)	County	$0.60 + $0.45 surtax per $100	Seller

With no county or city chosen, split by local custom. Some counties and cities charge a different or additional rate.
Sale price	Seller pays	Buyer pays	Total
$250,000	$1,750	$0	$1,750
$500,000	$3,500	$0	$3,500
$1,000,000	$7,000	$0	$7,000

Example Florida seller net sheet

A $400,000 sale with a 5% commission and a $250,000 mortgage payoff. Seller closing costs come to about $25,994, or 6.5% of the price.

Title and settlement fees are typical estimates, not quotes.
Line	Seller
Sale price	$400,000
First mortgage payoff	−$250,000
Real estate commission (5%)	−$20,000
Documentary stamp tax on deed	−$2,800
Owner's title insurance policy	−$2,075
Settlement / closing fee	−$550
Release / satisfaction recording	−$18.50
Title search and examination	−$200
Municipal lien search	−$150
Deed preparation	−$150
Wire / courier / payoff processing	−$50
Estimated net before property tax prorations	$124,006.50

Run it with your own numbers. Choose the county to add local taxes, and enter the closing date to prorate property taxes.

Who pays what in Florida

Seller pays the owner's policy in most Florida counties; buyer pays by custom in Miami-Dade, Broward, Sarasota and Collier. Closings are usually handled by a title company or attorney. The settlement or escrow fee is paid by each side for its own closing.

FAR/BAR contract: seller pays deed doc stamps, owner's policy and title search where the seller picks the agent (most counties), municipal lien search, estoppel; buyer pays note stamps, intangible tax, lender's policy, endorsements, survey, and recording of deed and mortgage. In Miami-Dade, Broward, Sarasota and Collier the buyer customarily pays the owner's policy.

Property tax prorations

Property taxes are paid in arrears. The typical effective rate is about 0.89% of value per year. Florida taxes are billed Nov 1 for the calendar year (4% discount in November); seller credits buyer for Jan 1 through closing when the bill is unpaid.

Mortgage taxes

Florida also taxes the buyer's new mortgage. These are on the buyer's side of the closing, not the seller's net sheet.

Tax	Level	Rate	Customarily paid by
Documentary stamp tax on note (new mortgage)F.S. 201.08: $0.35 per $100 on the mortgage; the $2,450 cap applies only to unsecured notes, not mortgages	State	$0.35 per $100	Buyer
Intangible tax on new mortgageF.S. 199.133: 2 mills on the amount of the new mortgage; paid by the borrower at recording	State	$2.00 per $1,000	Buyer

Sources

Verified 2026-09-29. A net sheet is an estimate, not a closing statement or tax advice. Final figures come from the title or escrow company. See a rate that looks wrong? Email [email protected].

Florida net sheet questions

Does Florida have a real estate transfer tax?

How much is the transfer tax on a $500,000 home in Florida?

With no county or city chosen, the transfer tax on a $500,000 sale is about $3,500, customarily paid by the seller. Some counties and cities charge a different or additional rate.

How much are seller closing costs in Florida?

On a $400,000 sale with a 5% commission, estimated seller costs in Florida come to about $25,994 (6.5% of the price), including $20,000 of commission. Without commission, closing costs are about $5,994. Local taxes, the payoff, and property tax prorations change the final number.

Who pays for title insurance in Florida?

Seller pays the owner's policy in most Florida counties; buyer pays by custom in Miami-Dade, Broward, Sarasota and Collier.

Who handles the closing in Florida?

Closings are usually handled by a title company or attorney.

How are property taxes prorated when selling a home in Florida?

Florida net sheets by county

Build a Florida net sheet in minutes.

Free to use. No account needed to try it.

Open the calculator Create a free account