Cost of Selling a Home in Florida
When you sell, the number that really matters isn't the sale price — it's what you walk away with. Here's what comes out of a Florida home sale, and how we help you figure out your net proceeds before you ever list.
Your net proceeds, not just your sale price
It's easy to focus on the sale price, but a handful of costs come out of that number at closing. What's left is your net proceeds — the money you actually take away. Most of these costs are paid from the sale itself rather than out of your pocket, and knowing them up front is how you plan your next move with confidence.
What comes out of your sale
- Listing agent compensation — the amount you agree to in your listing agreement with your listing agent for marketing, negotiating, and selling your home. It's negotiable, even after you've agreed to a set amount in your listing agreement.
- Owner's title insurance — in North Central Florida, the seller traditionally pays for the buyer's owner's title policy, though who pays it can be negotiated and is ultimately set by the contract. The cost itself is based on the final sales price.
- Documentary stamp tax on the deed — Florida's tax on transferring the property, customarily paid by the seller. In our area it's $0.70 per $100 of the sale price (about 0.7%).
- Your remaining mortgage payoff — the balance left on any loans secured by the home, paid off from the sale.
- Prorated property taxes — your share of the year's property taxes up to the closing date.
- HOA or condo costs — if applicable, estoppel fees and any prorated association dues.
- Closing and settlement fees — title or closing company charges, plus items like wire fees. These vary by company.
- Concessions you agree to — anything you agree to pay or offer a buyer to execute the contract, such as a home warranty, a closing-cost credit, or covering the buyer's agent compensation.
Costs before you list
Some sellers also spend a little up front to help the home show and sell well — things like minor repairs, cleaning, staging, or a pre-listing inspection. None of these are required, and we'll help you decide which are worth it for your home and your market, so you're not spending on things that won't move the needle.
Know your bottom line before you list
We'll prepare a seller net sheet — an estimate of your sale price minus these costs — so you can see your likely net proceeds before you make any decisions. Start with your home's value, and we'll build the rest.
Frequently asked questions
Typical seller costs include agent compensation, owner's title insurance, the deed's documentary stamp tax, your mortgage payoff, prorated property taxes, closing fees, and any HOA or concession costs. Most come out of your sale proceeds. We'll estimate your net before you list.
Your net proceeds are what's left after your sale price minus the costs of selling and your mortgage payoff — the money you actually walk away with. It's the number that matters most, and it's what our seller net sheet estimates.
In North Central Florida, the seller traditionally pays for the buyer's owner's title policy, while a financed buyer pays for the lender's policy. Other parts of Florida follow different customs, and it's negotiable in the contract.
It's Florida's tax on transferring ownership of the property, customarily paid by the seller. In our area it's $0.70 per $100 of the sale price. (Miami-Dade County uses a different rate.)
We prepare a seller net sheet that estimates your sale price minus the expected costs and your mortgage payoff. It gives you an estimate of the realistic bottom line before you commit to selling.
Want to see your net proceeds?
Start with your home's value and we'll build you a net sheet so you know your bottom line up front.
This page is general information about the costs of selling a home — not legal, tax, or financial advice. Costs, tax rates, and net proceeds are estimates that vary by property and market and change over time. Confirm figures with your closing agent or a tax professional. Rabell Realty Group are licensed real estate professionals, not attorneys.