Florida Seller Closing Cost Calculator
Get an exact breakdown of every seller cost distinct to a Florida closing before you list.
What This Calculator Does
Enter your sale price and the calculator adds up all the Florida-specific seller costs ahead of you: documentary stamp tax — including the elevated Miami-Dade surtax rates — title insurance, agent commission, and the standard administrative fees that accompany every closing.
Who Is This For
For Florida sellers who want their net proceeds in hand before signing a listing agreement — especially relevant for Miami-Dade County owners, where the surtax materially reshapes the math. Agents will find it equally handy for producing accurate seller net sheets on the spot.
How It Works
Enter your sale price and commission percentage, then use the toggles to reflect your exact circumstances: who covers title insurance, whether the property sits in Miami-Dade County, and the property type. Each adjustment recalculates the totals instantly.
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, while single-family homes in Miami-Dade qualify for a reduced $0.60 per $100.
Who pays title insurance in Florida?
In most Florida counties the seller takes on title insurance as a matter of long-established local practice, even though the obligation is technically negotiable. Customs vary from area to area, and in certain markets the buyer assumes it instead.
Why are Miami-Dade rates different?
Miami-Dade adds a county-level surtax on top of the state documentary stamp rate, which is precisely why the combined figure reaches $1.05 per $100. Single-family properties carrying a homestead designation are exempt from the surtax, lowering 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, while title insurance follows a tiered schedule tied to value. HOA estoppel letters, wire transfer fees, and document preparation charges remain flat-dollar amounts that hold steady regardless of price.