Draft pending legal review. This disclaimer describes how the calculator works today. It has not yet been reviewed by an attorney and may change before launch.
The short version
The SellersNetPay calculator gives an estimate of what you might net from selling a Florida home. It is not a closing statement, an offer, an appraisal or a guarantee of proceeds, and it is not real estate, legal, tax or financial advice. Your actual figures come from the settlement statement your title company or closing attorney prepares.
How the estimate is built
Net proceeds are what is left of the sale price after every loan is paid off and every cost of selling is covered:
Net = sale price, minus mortgages and liens, minus agent compensation, minus closing costs, minus concessions and repairs, plus or minus the property tax proration.
Some figures come from you: the sale price, your payoffs and liens, the agent compensation in your listing agreement and any you offer the buyer's agent, concessions, repairs, unpaid association dues and other costs. The rest the calculator works out from Florida rules and typical fees, listed below. The result is only as good as the figures you enter.
Rules and typical figures
| Item | What the calculator uses |
|---|---|
| Documentary stamp tax on the deed | $0.70 per $100 of the price, rounded up to the next $100. Miami-Dade: $0.60 per $100 for a single-family home, $1.05 for other property types (including the $0.45 surtax). |
| Owner's title insurance | Florida promulgated rate: $5.75 per $1,000 up to $100,000; $5.00 per $1,000 from $100,000 to $1,000,000; $2.50 per $1,000 from $1,000,000 to $5,000,000; $2.25 per $1,000 from $5,000,000 to $10,000,000; $2.00 per $1,000 above $10,000,000. Counted only when the seller pays for the policy. |
| Title search and exam | $350, only when the seller pays for the owner's policy |
| Settlement or closing fee | $495 |
| Municipal lien search | $250 |
| Recording, wire and courier | $150 |
| HOA or condo estoppel certificate | $299, only when there is an association |
| Property tax proration | Last year's bill less the 4% early payment discount, credited to the buyer from January 1 through the day before closing |
| What-if prices | 5% below and 5% above your price, each rounded to the nearest $1,000 |
Calculator rules version 2026.09.1. The on-screen estimate, the PDF net sheet and our emails all use the same rules.
County customs
Who pays for the owner's title policy is a local custom, not a law. The calculator starts with the custom below and lets you switch it, because your purchase contract decides.
| County | Doc stamps per $100 | Owner's title policy customarily paid by |
|---|---|---|
| Broward | $0.70 | Buyer |
| Miami-Dade | $0.60 or $1.05 | Buyer |
| Palm Beach | $0.70 | Seller |
| Collier | $0.70 | Buyer |
| Sarasota | $0.70 | Buyer |
| Brevard | $0.70 | Seller |
| Charlotte | $0.70 | Seller |
| Duval | $0.70 | Seller |
| Hillsborough | $0.70 | Seller |
| Lee | $0.70 | Seller |
| Manatee | $0.70 | Seller |
| Orange | $0.70 | Seller |
| Osceola | $0.70 | Seller |
| Pinellas | $0.70 | Seller |
| Polk | $0.70 | Seller |
| Seminole | $0.70 | Seller |
| St. Johns | $0.70 | Seller |
| Volusia | $0.70 | Seller |
| Any other Florida county | $0.70 | Seller (a starting point, check your contract) |
What the estimate leaves out
Unless you enter them yourself, for example as concessions or other costs, the estimate does not include:
- income tax on the sale. Whether you owe any depends on your circumstances, so talk to a tax professional;
- federal withholding that can apply when the seller is a foreign person (FIRPTA);
- prepayment penalties, late charges or anything else your lender adds to a payoff beyond the figure you enter;
- anything a lien search turns up, such as open permits, code violations or unrecorded liens;
- title endorsements, a survey, a home warranty, or other costs you agree to pay under your contract;
- money you may get back after closing, such as the balance of your lender's escrow account.
Figures that can change
Typical fees vary between title companies and closing attorneys, and tax rates and promulgated rates can change. We review and update the calculator's rules, but we cannot promise every figure is current on the day you use it. Payoff interest, the final tax bill and anything negotiated with the buyer will also move your number.
Not advice
SellersNetPay is an independent technology platform, not a real estate brokerage, title company, mortgage company or law firm. Before you rely on any figure, confirm it with your title company or closing attorney, your lender and, for taxes, a tax professional. How far we can be responsible for an estimate is set out in the Terms of use.
Spotted an error?
If a rule or figure looks wrong, please tell us which county and which line, and we will check it.