Estimate your net proceeds from a Florida home sale after the mortgage payoff, the commission you negotiate, documentary stamp tax, title, and closing costs. Every figure is an estimate for planning, not a guarantee.
This is a planning estimate. For the actual numbers on your home, we will run a comparable-sales analysis and a title-company net sheet, with no obligation.
Your net proceeds are what is left from the sale price after the costs of selling. The largest is usually your mortgage payoff, followed by the real estate commission you negotiate. In Florida, sellers also customarily pay the documentary stamp tax on the deed and, in most of Northeast Florida, the owner's title insurance policy, though both are negotiable and set by county custom. Smaller line items include the settlement fee, recording, any HOA or CDD estoppel fee, prorated property taxes, and any concessions you agree to give the buyer.
This tool estimates each of those so you can plan, but the binding figure always comes from the title company's net sheet at closing, which reflects your exact payoff, the closing date, and the negotiated terms of your contract.
It is a planning estimate using common Northeast Florida customs and rates. It does not know your exact payoff, closing date, prorations, or negotiated terms, so the real net sheet from your title company will differ. Treat this as a starting point, not a final number.
No. Real estate commissions are fully negotiable and are not set by law or any board. The field defaults to a placeholder only so the math runs. Enter whatever you negotiate, and remember that compensation is agreed in writing under the current rules.
It is a state tax on the deed of 0.70 dollars per 100 of the sale price in every Florida county except Miami-Dade, which uses 0.60 dollars per 100 plus a possible surtax. It is customarily paid by the seller. On a 450,000 dollar sale that is about 3,150 dollars.
Who pays for the owner's title policy is set by county custom and is negotiable. In most of Northeast Florida the seller customarily pays it. The estimate here uses the promulgated Florida rate. Your contract controls who actually pays.
This estimate does not include items unique to your sale such as a home warranty you offer, liens or judgments, unpaid assessments, capital gains tax, or unusual prorations. A title company net sheet and a tax professional will capture those.
