Florida-accurate: official doc stamp rates, promulgated title insurance rates, and county-specific customs. See exactly what you walk away with before you list.
Paid by the seller in most Florida transactions. The rate is $0.70 per $100 of sale price in all 66 standard counties, rounded up to the next $100. Miami-Dade is the only exception: $0.60 per $100 for single family residences, and $1.05 per $100 for condos, multi-family, and commercial due to the additional $0.45 surtax.
Florida uses state-regulated promulgated rates: $5.75 per $1,000 up to $100K, then $5.00 per $1,000 from $100K to $1M, then $2.50 per $1,000 from $1M to $5M. Seller pays in most counties. Buyer pays in Miami-Dade, Broward, Collier, and Sarasota by custom.
Since the August 2024 NAR settlement, listing agent commission and buyer agent compensation are negotiated separately and disclosed upfront. The seller decides whether to offer buyer agent compensation and how much. Both are deducted from proceeds at closing.
The title company charges a settlement or closing fee (typically $400 to $600) and a title search fee (typically $150 to $300). These are market-based, not state-regulated. This calculator uses a combined estimate of $750.
Florida property taxes are paid in arrears. At closing, the seller credits the buyer for the portion of the tax year they owned the property. Enter your estimate above — your title company will calculate the exact figure based on your closing date.
Required on all condo and HOA property sales in Florida. The association issues a certificate confirming outstanding dues, pending assessments, and restrictions. Florida law caps the fee at $299. Leave at $0 if there is no HOA.
This calculator provides estimates for informational purposes only. Actual closing costs depend on your specific title company, closing date, outstanding liens, HOA status, and negotiated contract terms. InvesTeam Realty agents prepare a full written net sheet for every listing appointment at no charge.
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