Florida Closing Costs for Sellers: Net Sheet & Complete Breakdown (2026)
May 2026
Florida sellers often focus on the sale price without fully accounting for what comes out at closing. Understanding your true net proceeds before you list — not after — is essential for making sound decisions about offers, timing, and your next purchase.
Real estate commissions
Following the 2024 NAR settlement, buyer's agent compensation is now negotiated separately. Sellers still typically offer a buyer's agent commission (2–2.5%). At Pure Equity Realty, sellers pay just 1% to list — saving $10,000–$30,000 compared to traditional listing commissions on most South Florida transactions.
Documentary stamp taxes on the deed
Florida imposes a documentary stamp tax of $0.70 per $100 of consideration. On a $600,000 sale: $600,000 × 0.0070 = $4,200. This is always the seller's cost in Florida.
Owner's title insurance policy
In most of Florida, the seller pays for the buyer's owner's title insurance policy. On a $600,000 sale, the owner's title policy costs approximately $2,100–$2,400. In Broward County, the buyer traditionally pays — confirm with your agent what's customary in your market.
Property tax proration
Florida property taxes are paid in arrears. At closing, the seller credits the buyer for property taxes accrued from January 1 through the closing date. On a home with $8,000 in annual taxes closing June 15, the seller credits approximately $3,800.
Sample seller net sheet
Sale price: $600,000
- Listing commission (1% — Pure Equity Realty): ($6,000)
- Buyer's agent commission (2.5%): ($15,000)
- Documentary stamp on deed: ($4,200)
- Owner's title insurance policy: ($2,300)
- HOA estoppel + transfer fees: ($700)
- Property tax proration (6 months): ($4,000)
- Settlement fee: ($600)
- Mortgage payoff (example $350,000): ($350,000)
- Estimated Net Proceeds: $217,200
Ask your Pure Equity Realty agent for a personalized net sheet before listing — accurate to your specific property, HOA, and loan situation.
For personalized guidance on buying or selling in South Florida, contact the team at Pure Equity Realty. We serve Palm Beach, Broward, Miami-Dade, St. Lucie, and Highlands counties with expert representation and a 1% listing fee.